Mind the Gap: Six Tips to Assess Your Healthcare Coverage Before the New Year
(BPT) - The new year is a good time to reset. From a fresh start on lifestyle choices, hobbies or pursuits, to the less exciting - but no less important - aspects of life, like memberships, contracts and even health insurance. Health insurance deductibles reset in the new year, so it's a good idea to keep that in mind as you plan for healthcare expenses. Any changes made to your health insurance plan during open enrollment go into effect as well.
"Even if you spent hours researching your health plan before making a selection, there's always a possibility for the occasional surprise once coverage kicks in, which is why it's important to assess your healthcare coverage and address any gaps before January 1," said Doug Armstrong, Vice President of Health Products and Services at AARP Services, Inc. "AARP members can take advantage of benefits available to them to help find the coverage and savings information they seek."
1. Examine your vision coverage
Eye health is important to quality of life, both in terms of moving around safely and appreciating your surroundings. Regular eye exams with an ophthalmologist or optometrist can help make sure your vision is sharp while also monitoring for any issues. However, many health insurance plans don't include vision coverage. If you do see a gap in your coverage, AARP members have access to information on vision insurance options that offer individual and family plans, featuring a large doctor network, savings on frames, lens enhancements, progressives and more.
2. Plan for prescriptions
While several health plans offer coverage for prescription drugs, discounts can vary, especially when it comes to different types of medication.AARP® Prescription Discounts Provided by Optum RX® can help with savings. This program offers a free prescription discount card that can be used at over 66,000 pharmacies nationwide for savings on FDA-approved medications. Additional benefits for AARP members include home delivery, deeper discounts on medications, coverage for dependents and more.
3. Confirm your primary care
With a new health insurance plan, you might find that your primary care physician is no longer in-network or that they no longer accept your insurance. Perhaps you have relocated and are in the market for a new doctor. Whatever the case, there's no time like the present to search for a new primary care physician who meets your needs. If you're on Medicare, Oak Street Health can be a great resource.
The only primary care provider to carry the AARP name, Oak Street Health provides primary care for adults on Medicare and focuses on prevention with personalized care to help keep you healthy - physically, mentally and socially. Benefits include same-day/next-day appointments where available, convenient locations, a dedicated care team and a 24/7 patient support line. AARP membership is not required to visit an Oak Street Health location.
4. Protect your smile
Optimal dental care includes daily brushing and flossing and a visit to the dentist every six months. During your visit, the dentist can monitor for and treat any issues, such as cavities or gum disease. However, not all plans include dental insurance, which means you might end up paying out of pocket for your cleaning and other procedures. To avoid that, take a look at your coverage. If needed, explore information on dental insurance options that offer individual or family coverage for the most common dental procedures. Dental insurance generally pays for regular check-ups, so many people who purchase protection will benefit from it immediately.
5. Clarify your hearing coverage
Hearing loss is a common age-related ailment. According to theNational Institute on Aging, one-third of older adults have hearing loss, and the chance of developing hearing loss increases with age. Hearing aids can be an enormous help, improving socialization, boosting confidence and even helping to increase balance. However, many insurance plans do not include coverage for hearing aids.
AARP® Hearing Solutions™ provided by UnitedHealthcare® Hearing provides savings on hearing aids and hearing care.Members can save an average of $2,000 per pair on prescription hearing aids and 15% on accessories - no insurance needed. Plus receive a hearing exam and consultation at no cost and personalized support through a large nationwide network of hearing providers.
6. Consider physical therapy
Often, the only times that people consider whether their health insurance covers physical therapy is if they already participate in it or after the doctor has prescribed it. As we age, though, physical therapy can be a useful tool in improving balance or recovering from an injury or procedure to help you remain active. Fortunately, the question of coverage or finding an in-network location doesn't have to derail you. AARP® Physical Therapy At Home™ by Luna accepts most insurances and Medicare and is available to members and non-members alike. Plus, Luna's experts come to you, so you can receive quality care from the comfort of your home.
If you're creating an end-of-year to-do list, consider adding an assessment of your healthcare coverage. After all, the best time to realize you have a gap in coverage is before you need it. To learn more about AARP member benefits, visit aarp.org/benefits.
AARP and its affiliates are not insurers, agents, brokers or producers. AARP member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions. Please contact the provider directly for details.
Source: BrandPoint
