Many things have to be kept in mind before you decide to take up a health insurance plan. Make sure that you ask about all the benefits which come under the health insurance by your insurer. There are many plans that are not publicized by your insurer, so one should be aware of all the hidden benefits of these health insurance plans. There are various health insurance plans which offers disease management program, mental health benefits and much more. Here are some health insurance plans which benefit you more than you think.
Provision of medical discount and medical facilities
Various health coverage plans provide its members with network of doctors and medical facilities. You can receive maximum benefit if you are using medical services within the network. Health insurance plan provides you with suitable coverage in which during an emergency you can get a free medical cab for the transportation to the hospital for the required medical treatment . In many cases you may be required to be transported back to home from the hospital after your treatment. The health insurance plan also provides their member with dental insurance. The members can thus make use of various medical discount and medical facilities by being a part of the health insurance plan.
Disease management and providing health counseling
The disease management program deals with providing insurance programs to all those members who are suffering from various chronic conditions such as asthma or diabetes. The diabetic members can be helped by giving counseling on nutrition or by providing different kinds of blood monitoring plans. The members are also provided with nursing consultations which are of great use to the member as they can discuss their health hazards with them and get useful information regarding their health control and apply them in their daily life. The regular health counseling and disease management provided by the health plan insurers will help the member to put a careful check on their health and take necessary precaution.
Provision of assisted reproductive technology for the couples who are trying to conceive
This kind of provision is meant for the couples who are looking for an assisted reproductive technology such as in vitro fertilization, thus the insurers offers some level of coverage for the infertility diagnosis and the treatment. Many couples can take various benefits by this kind of plan as it will help the couple to take correct measures in the reproductive technology. Suitable coverage will be provided in the diagnosis of the infertility and in further treatment. This coverage would be prepared keeping in mind the entire expense of these technologies which can prove to be of great help to the members.
Complementary and alternative medicine
Many insurers now cover the alternative and the complementary treatments such as acupuncture, chiropractic, mass age therapy, herbal medicine etc. However the coverage of this benefit mostly have higher reductions than conventional treatments, but even then this health insurance plan would prove to be of great demand for its members as it will be providing suitable discounts in all the above treatments. As you know these complementary and alternative treatments are rapidly increasing their popularity, the members as well as the health plan insurers, both can take the benefits of this health insurance plan. As the insurer would earn benefits of completing the target of adding more and more people in his health insurance plan, and on the other hand the members would enjoy the discounts provided to them on all the alternative treatments.
Promotion of healthy living and controlling stress, smoke and over weight
The insurance companies are increasingly promoting healthy living. Various benefits will be provided by the insurers, for example if you want to quit smoking or you wish to manage your stress they may help you by offering useful health counseling. The mental stress, weight loss and smoking addiction would be checked by the health counselors, who would manage these kinds of disorders.
Hence the health insurance plan offers you more than you think. So go for all these benefits. These benefits may not be published by your insurer. So be sure to ask these benefits from the health plan insurer. This will help you to enjoy all the coverage offered by the health insurance plan. As most of the people are not aware of these hidden benefits, it is necessary that people should search and ask their health plan insurer about all the benefits and coverage, the particular plan will provide you.