Health Care Mistakes to Avoid in the New Plan Year
The start of a new year is the perfect time to take a fresh look at your health insurance benefits. Whether you've recently enrolled in a new plan or are continuing with your current coverage, understanding how to make the most of your benefits can save you time, stress, and money.
To help you start the year off right, here are some common health care mistakes to avoid:
1. Ignoring Your New ID Card
Your new ID card contains valuable information—don’t toss it in a drawer. Take a moment to review each field so you understand your plan details, and keep the card handy for doctor visits and prescriptions. It’s also a smart idea to snap a photo of the card so you have a digital backup when a physical copy isn’t available.
2. Skipping Your Member Account Setup
Setting up your online member account gives you access to digital ID cards, explanation of benefits (EOBs), in-network provider lookup tools, and secure messaging with your insurance carrier. Skipping this simple step means missing out on resources that help you stay organized and informed throughout the year.
3. Assuming All Providers Are In-Network
Before making an appointment, always verify that a provider is in-network. Out-of-network visits can lead to significantly higher bills or unexpected charges. Even if you’ve seen a provider before, confirm their network status—especially if you’ve changed plans.
4. Overlooking Deductible Reset Dates
Remember that deductibles reset annually. If you’ve already met your deductible and have another high-cost procedure coming up, completing it within the same plan year could help reduce your out-of-pocket costs. Ignoring these reset dates may cost you more than necessary.
5. Missing Out on Preventive Care
Most health plans cover preventive care—such as annual checkups, vaccines, and routine screenings—at no additional cost when you use in-network providers. These visits can catch health concerns early and keep you on track with your wellness goals.
6. Forgetting to Review Prescription Coverage
Prescription formularies and preferred pharmacy networks can change from year to year. Reviewing your plan’s medication list and pharmacy requirements can help you avoid unexpected costs and ensure your prescriptions process smoothly.
Need Help Understanding Your Plan?
Navigating health insurance doesn’t have to be overwhelming. If you’d like help reviewing your plan details or have questions about your coverage, Kibbe Insurance Agency is here to assist. Reach out anytime—we’re happy to walk through your options and help you make the most of your benefits this year.