5 Key Benefits of Member Registration with Your Insurance Provider

Understanding your health insurance plan isn’t always simple and straightforward. However, with the help of an insurance provider, you’ll gain benefits and better understanding in no time.

Here are 5 key benefits of registering with your insurance provider.

‍1. Online Health Plan Account

How many times have you received your annual open enrollment packet of information via paper and later could not locate it when you needed services? Having an online account that you can log into is a great resource to learn not only what your benefits are, but the best way in which to receive services.

This is a great place to start if you should have general questions about the health plan that you are enrolled in with information such as deductibles, copayments, how to search for providers, printing/ordering an I.D. card, and much more. If certain services require a prior authorization from your physician, those are usually listed here as well.

2. Estimating Your Cost for Future Service

If you are looking at having an upcoming procedure, there are many tools now available that will help you to understand what the cost associated will be.

Many of the carriers can now give you cost comparisons based on if you utilize an in-network provider vs. going out of network. Some carriers have advanced technology that recognizes your specific plan benefit and can give you a personalized estimate for a variety of services and allow to do a “side-by-side” quality of care comparison.

3. Plan Activity and Claims History

EOB’s (Explanation of Benefits) are kept in one central location under your specific member account. You can say goodbye to paper if you wish and have all your services housed securely with your member account. This is also a good resource if you are enrolled in a flexible spending account if you need to submit a claim for reimbursement.

4. Pharmacy Services

Each insurance carrier has their own preferred drug list that they utilize for their health plans. No two are exactly alike, so while one medication may be covered at a certain “tier level” with one insurance carrier, it may be quite different with another carrier.

Access to your specific pharmacy plan can be crucial in knowing what to expect when you arrive at the pharmacy.  This also gives you the tools to have a discussion with your doctor about least costly alternatives.

5. Wellness Tools

Whether you’re focused on staying fit, facing a serious diagnosis, or want to know your health score, the wellness tools that are available to you can help you live a healthier lifestyle.

Once you complete your personal health record, you may even get rewarded with incentives such as gift cards or discounts on services as many of the insurance providers want to help you stay healthy. If you are facing a serious diagnosis, there are also many resources available to help you navigate your current health issues.

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These 5 areas will help take health insurance to the next level by truly benefitting from the insurance provider you sign up with. If you have any questions about group benefits or membership registration. Feel free to contact us!