Partnering with a New Jersey health insurance company may sound odd, but the fact is you both share the same goal: your good health. That’s why it’s a good idea to decide on a plan that approaches its benefits as if you were partners in good health.
Sure, you want to know how much you will have to pay in co-payments, and what your premium is. You will want to know how you will be reimbursed and how much. Everyone needs to know what is excluded from their policy and the difference between using an in-network provider and an out-of-network provider. The financial end is crucial, especially if you are on a tight budget.
But neither you nor your plan wants a small problem to turn into a bigger, more expensive or even life-threatening one. So if you can, find a plan that offers programs to nip small problems in the bud.
Health insurance and your good health
The many New Jersey health insurance plans of today want to partner with you to keep you healthy. A healthy customer is going to file fewer claims and have less serious ailments. That’s why the most forward-thinking plans include with your policy a variety of support programs to get you healthy and keep you that way, and you don’t have to pay a dime more for them.
Does your plan give you the ability to contact a nurse at any time? Many plans do, and if yours is one of them, take advantage of this benefit.
Preventive care and routine screenings should be at no cost. Many New Jersey health insurance plans offer this kind of benefit and there is no reason not to
If you smoke and want to stop, many plans have smoking cessation programs. They’d rather invest in these preventive measure than have to pay claims down the road for smoking related illnesses.
Some customers may want to lose weight and if you are one of them, check to see if any plans offer you support programs for weight loss. Diet, exercise and a healthy lifestyle will keep you claim-free.
Like anyone, you will have questions about your benefits. Make sure you have a way to contact your health plan via phone and/or email when needed. Another help is a good, easy to use website where all your claim and benefit information can be accessed any time day or night.