To get you started, here are five health insurance life hacks you can use to start living a healthier and more hassle-free life in 2016.
Life Hack #1: Take advantage of freebies.
Preventative benefits, as defined by the Affordable Care Act, are covered by most health care plans at 100 percent. That means you can use these services without eating into your personal finances. So get a blood pressure screening and a flu shot! Youll probably rest easier and be healthier the whole year.
Life Hack #2: Keep a doctor in your pocket.
In the past, when a sore throat or pink eye struck, there were few options other than going to the emergency room or waiting for the doctors office to open in the morning. Today, the nearest doctor may be just a few clicks away. Called telehealth, individuals can now use their smartphone, tablet or computer to have a live video visit with a doctor. One such service is LiveHealth Online. Doctors using LiveHealth Online can provide a diagnosis, treatment, and even write a prescription if needed. Best of all, telehealth visits are quite affordable. Many Anthem Blue Cross and Blue Shield members already have access to LiveHealth Online as a part of their insurance benefits, and anyone can use the service simply by signing up at livehealthonline.com and paying with a credit card. Doctors on LiveHealth Online typically charge $49 per online medical visit.
Life Hack #3: Outsource time-consuming tasks to your EAP.
If your employer offers an Employee Assistance Program (EAP) as a part of its benefits package, dont overlook this resource. EAP programs offer confidential information, support, and referral services to help you maximize your productivity and meet the challenges of modern life. This includes help with topics such as childcare, eldercare, personal finance and career resources. Learn about your EAP program today and reap the benefits all year long.
Life Hack #4: Use online tools to comparison shop.
Its true that you rarely see price tags at the doctors office, but that doesnt mean you cant be a savvy health care consumer. Many insurers offer online tools to help you make more informed decisions when youre shopping around for non-emergent care. Anthem Blue Cross and Blue Shields cost estimator tool can be accessed on our member portal at anthem.com. It provides members with cost estimates based on the information they enter about their specific health insurance plan and health status. These estimates include potential out-of-pocket costs for care and information related to health care provider quality.
Life Hack #5: De-clutter by going mobile.
All those membership rewards cards, identification cards and credit cards have really bulked up our wallets. Shed that weight by going digital. Many health care providers, including Anthem Blue Cross and Blue Shield, offer a mobile app for quick access to resources like an electronic copy of your membership card, as well tools to find a doctor, get directions, refill prescriptions and more. If your insurance is provided through Athem Blue Cross and Blue Shield, you can download our app at Apples App Store and Google Play…
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