The Hidden Benefits of Health Insurance You May Not Be Using

According to a 2023 Kaiser Family Foundation study, 73% of insured Americans don't fully utilize their health insurance benefits, potentially leaving thousands in untapped value. This means that, odds are, you too might be missing out on great features of your health insurance plan.

Here's what you might be missing:

Preventive Care at No Cost

Most health insurance plans cover preventive services at 100%, including annual physicals, vaccinations, and screening tests. The CDC reports that preventive care could save over 100,000 lives annually in the U.S., yet only 8% of Americans take full advantage of these services.

Telehealth Services

Many plans now offer free or low-cost virtual doctor visits. These convenient consultations can address routine health concerns, prescription refills, and mental health support from the comfort of your home.

Wellness Programs and Discounts

Check your policy for gym membership reimbursements, weight loss program discounts, and smoking cessation resources. Some insurers even offer rewards programs for maintaining healthy habits.

Alternative Medicine Coverage

Your plan may cover alternative treatments like acupuncture, chiropractic care, or massage therapy. These services often require minimal copays when using in-network providers.

Pharmacy Savings

Beyond prescription coverage, many plans offer mail-order pharmacy services at reduced costs and provide access to prescription discount programs. Some even include over-the-counter medication allowances.