By Heather Best Logan
Creative Benefit Plans
Most people realize their health insurance policy will pay for hospitalization and for medical treatments to recover from an accident or an illness. Most people also know that health insurance policies offer preventive coverage at little or no cost. In fact, some policies will even pay for benefits of various types of elective procedures.
What you may not know is that many health insurance policies offer benefits for things like going to a gym regularly or quitting smoking. They may even offer cash incentives to ensure you have an annual physical. Some health insurers go so far as to offer electronic fitness trackers to their insureds.
Today, health insurance companies understand that preventive care and wellness programs help keep cost down for everyone by helping to ensure that we all stay healthier.
The wellness programs available to you depend on what type of insurance you have. Wellness benefits differ widely between individual insurances and insurances offered through an employer. Of course, different insurance companies offer different types of programs.
Make it a point to find out what fitness and wellness benefits your insurance offers. The price is already included in the plan, so take advantage of the programs offered. Not only could utilizing these benefits improve your health, they could put money back in your pocket. To find out what is covered, read your certificate of insurance, call your insurance carrier, or ask your insurance broker to review these benefits with you.
