Tip 2: Take advantage of a plan that offers telehealth visits and other resources to help you navigate health from home. An increasingly popular health care choice, especially during the COVID-19 pandemic, has been telehealth or virtual visits, which enable people to connect 24/7 with a health care provider via a smartphone, tablet or personal computer. It’s designed to be an easier, more affordable way to talk to a doctor about common health issues. Often, telehealth is available to members of employer-sponsored, individual and Medicare Advantage plans.
Tip 3: Review plan benefits that can help you save money, like wellness incentives. Many health plans now offer financial incentives that reward you for taking healthier actions, such as completing a health survey, exercising or avoiding nicotine. Many plans, including Medicare Advantage plans, offer gym memberships and wellness programs for members at no additional cost.
Tip 4: Anticipate next year’s health expenses. If you are expecting a significant health event in the next year, such as a surgery or the birth of a child, you should compare the differences between plan designs, including out-of-pocket maximums.
Tip 5: Consider a plan that offers health care advocates and resources to help you make the most of your benefits. Health care can be complicated, so no one should have to go it alone. It’s important to pick a plan that will provide you with access to advocates who help you navigate the health care system, find opportunities for cost savings and improve your health care experiences.
Rob Broomfield is CEO of UnitedHealthCare of Nebraska.
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