5 Ways to Get the Most Out of Your New Health Plan

There is a lot more to your health insurance than meets the eye. While the peace of mind of having coverage is important, your plan is likely filled with helpful tools and resources that often go unnoticed. Whether you are covered by Anthem, Ambetter, UnitedHealthcare, or another one of our trusted carriers, your policy likely includes features designed to save you time, money, and support your wellness journey. Many of these benefits are available to you on day one.

Here are five ways to unlock the full potential of your health plan this year.

1. Take Advantage of $0 Preventive Care

One of the best features of modern health insurance is the focus on keeping you healthy before you get sick.

Most “compliant plans” include a suite of preventive services at no extra cost to you—meaning a $0 copay and $0 deductible. This typically includes your annual wellness visit, flu shots, and important age-appropriate screenings.

Think of this as your plan investing in you. Scheduling your annual wellness visit is a fantastic way to establish a relationship with your doctor and care team, and discuss any potential concerns early, all while utilizing a benefit you have already paid for.

2. Put Your Coverage in Your Pocket

• Gone are the days of worrying about forgetting or misplacing your insurance card. Our major carrier partners—including Anthem, Ambetter, and UnitedHealthcare—have developed powerful mobile apps that put your health coverage right at your fingertips.
• We encourage all our clients to download their carrier’s app to unlock a new level of convenience:
• Instant Access: Pull up a digital version of your Member ID card instantly at the pharmacy or front desk.
• Track Your Progress: Easily view your deductible status or check the status of a claim in real-time.
• Find Care Fast: Use the built-in GPS features to find the nearest urgent care or pharmacy wherever you are.

3. Access Care from the Comfort of Home

Did you know many plans include a “virtual” doctor’s office visit?

Telemedicine is a standard benefit on almost all the major medical plans we offer. It allows you to consult with a board-certified physician via video chat for minor concerns like allergies, sinus issues, or skin conditions. It is often faster and more convenient than driving to a clinic, especially when you aren’t feeling your best.

Pro Tip: Log in to your carrier’s portal today to see which telehealth service they use. Look for buttons labeled “Virtual Visit,” “Telehealth,” or “24/7 Care.” (Registering your account now means you’ll be ready to connect with a doctor in minutes the next time you need one.

4. Earn Rewards for Healthy Habits

This is one of the most overlooked benefits of health insurance is its rewards program.

Many carriers in Georgia have robust wellness programs that offer real incentives:

• Ambetter members, for example, can participate in the “My Health Pays” program, earning points for simple tasks like getting a flu shot or completing a wellness screening. These points can often be converted into funds to help pay for utility bills or premium costs.
• Anthem and UnitedHealthcare also offer various incentive programs that may reward you with gift cards for completing health assessments or tracking your steps.

Check the “Wellness” tab on your carrier’s website to see what opportunities are waiting for you!

5. Build Your “In-Network” Care Team

Your health plan comes with a curated network of doctors, specialists, and facilities. Staying within this network isn’t just about costs—it’s about coordination.

When you see in-network providers, the billing process is smoother, and there is often better communication between your primary care doctor and any specialists you visit.

If your doctor recommends a specialist, take a moment to confirm they are in your network by using your carrier’s app or giving them a quick call. It’s an easy step that ensures your care team is aligned with your coverage, giving you the smoothest possible experience.

At H&H Insurance Solutions, we are proud to be your local, independent broker in South Georgia. We want you to love your health plan and feel confident using it. Give us a call, or use our contact us page to reach out.