With the many benefits that come with the new health marketplace insurance, comes also the need to effectively manage your health marketplace plan options. These top 3 tips to manage your health marketplace choices can help:
1. Know the benefits of a health marketplace plan. Here are some unique characteristics about marketplace plans. Marketplace medical insurance includes essential health benefits (aka – what major medical health plans are now required to cover by law), which are:
Ambulatory patient services—outpatient care without being admitted to a hospital
Maternity and newborn care
Mental health and substance use disorder services, including behavioral treatment, counseling and psychotherapy
Rehabilitative and habilitative services and devices—services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills
Preventive and wellness services and chronic disease management
Pediatric services—including dental and vision care
2. Select your doctor/hospital. Call to confirm providers with your insurance company and understand if they are in network or out of network. Most health plans give you the best deal on services when you see an “in-network” doctor who has a contract with your health plan.
3. Use your insurance services
Make sure your covered – If you think you’ve signed up for health insurance but haven’t heard from your insurance company, call to make sure they have received your payment and that you are covered. Pay your monthly premium to avoid coverage gaps. Call your insurance company if you haven’t received your cards to send new ones.
Use Preventative Services/Wellness Services. Annual check ups, screenings and other wellness services will help you get and stay healthy.
Get Emergency Care – In an emergency, you should get care from the closest hospital that can help you.
Knowing the Details of Your Plan– Now that you have health coverage, learn what you can do to stay healthy and get the care you need.Knowing your plans specific benefits, services, and options can help you be prepared for using the services.
Knowing the top 3 tips to manage your health marketplace will help you make the most of your insurance plan and support you in creating and maintaining a healthy life.