May 04, 2017
3 tips for using your Marketplace health insurance
Now that you have Marketplace health insurance, here are 3 tips for getting the most out of your health coverage:
Understand your deductible
- A deductible is the amount you have to spend for covered health services before your insurance company starts to pay. So, if your deductible is $1,000, your plan won’t pay for most services until you’ve spent $1,000 out-of-pocket for covered health care services that apply towards your deductible.
- It’s important to know which services in your plan don’t count towards your deductible. Some plans cover primary care visits before you meet your deductible–you just pay a copayment. Other plans offer discounts on drugs, including generic drugs.
- Read your plan materials carefully to see what’s covered before you meet your deductible.
Find an “in-network” doctor you trust
- Even if you don’t need care right now, it’s important to find a doctor you can trust who’s in your plan’s network. Contact your insurance company to find out which providers are “in-network.”
- If a provider is “out-of-network,” it usually costs you more.
- Networks can change, so check with your provider each time you make an appointment.
Take advantage of free preventive health services
- All Marketplace plans cover recommended preventive health care at no cost when delivered by an in-network provider. This includes immunizations for children and adults, annual well visits for women, obesity screening, and counseling for people of all ages.
- See the full list of covered services.