Open Enrollment. It’s the time period of Nov. 1 to Dec. 15, 2019 to plan for your health care needs for the upcoming year—and for your dependents if you have a family. While your head may be filled with terms like copays, deductibles and out-of-pocket limits (this quick guide can help), be sure to consider a plan that offers additional perks beyond the standard coverage.
Here are some services you should be looking for:
Virtual care options
It’s a Saturday morning and you feel a sore throat coming on. Your doctor’s office is closed for the weekend, but you don’t want to risk a wait at urgent care for a simple illness. For times like this, virtual care is a great option. From your phone, tablet or laptop—you can quickly connect with a board-certified doctor wherever and whenever you need care. Many doctors’ offices and hospital groups now offer virtual care to their patients 24 hours a day, 7 days a week. (Remember: for health emergencies, you should always go to the nearest ER or call 911). Be sure to check with your provider and health plan about available virtual care services offered.
Price transparency tools
Some insurance companies offer digital tools for members to estimate the price of medical procedures or prescription drugs so they can budget and plan the cost of their care. For example, at Priority Health, members have the ability to research their costs and control out-of-pocket spending with Cost Estimator. This transparency tool shows members what in-network facilities and pharmacies charge for health care services and prescriptions based on each individual’s plan. The tool does not show a range in price, but is personalized based on each member’s specific plan benefits. Find out if your health plan offers price transparency options so you can take control of your health care costs.
Many health plans are now offering fitness incentives like gym memberships as a way to promote physical health and wellness. For example, Priority Health employer group and individual members have access to Active&Fit Direct. This program allows members to sign up for $25-per-month gym memberships. Members can choose from more than 9,000 fitness centers nationwide. Priority Health Medicare Advantage members will also have the ability to take advantage of SilverSneakers® in 2020, a nationally-known fitness and lifestyle program so they can have a no-cost gym membership as part of their plan. Check with your health insurance to see what kind of fitness benefits are included in your plan to keep you moving throughout the year.
Coverage when you travel
Many health plans now offer travel assistance to their members. This eliminates the need to purchase additional, and often costly, medical or travel assistance coverage. At Priority Health, members and their dependents have access to Assist America® at no extra cost. It’s available whenever members are traveling more than 100 miles from home or in another country. Coverage includes:
- Medical emergency services: Access to quality medical care including medical referrals, emergency medical evacuation, prescription assistance and more.
- Travel emergency services: Help with lost luggage or documents, legal and interpreter referrals and care of minor children and pets when experiencing a travel emergency. Plus, pre-trip planning services including visa and immunization requirements, security and natural disaster alerts and more.
Multilingual, trained and emergency-dispatch certified assistance coordinators are available to help 24 hours a day, 365 days a year with one-touch access through the free app. For stays longer than 90 days, like overseas semesters or sabbaticals, members can pay an additional fee for the expatriate program service.
Many insurance companies include vision benefits at no added cost as part of your plan. For example, Priority Health is partnering with EyeMed new in 2020 to offer vision coverage and discounts to MyPriority® plan members, making Priority Health the only health insurance carrier in Michigan offering vision coverage on all individual plans. In addition to a no-cost eye exam, members will also receive discounts through EyeMed, available from thousands of in-network eye doctors and top optical retailers. Members will receive a separate EyeMed enrollment packet, including ID card and explanation of benefits (EOB).
Have a HSA or considering one for 2020? Check out added HSA perks. Priority Health is collaborating with Amazon to offer an online storefront for Priority Health on Amazon’s website, where members can use their HSA card to purchase thousands of eligible items. From bandages to contact solution, all items on the storefront are HSA-eligible, making it easy for members to use their HSA dollars.
Shopping the Priority Health storefront is just like making any other purchase on Amazon—simply add items to your cart, place your order and you’re done. Members without an HSA card can place their Amazon orders and submit the receipt to their benefits administrator for reimbursement.
If you have diabetes, make sure the plan you’re considering supports ongoing management of your condition. For example, Priority Health is committed to offering no-cost diabetes management benefits on MyPriority plans, available on all narrow networks and metal levels, beginning Jan. 1, 2020.
Members will have access to a range of products and services designed to help them manage their diabetes or prediabetes and continue to live a happy, healthy life. Diabetes management is covered at no cost to the member ahead of deductible on all MyPriority plans (excluding HSA plans).
Make these added benefits part of your plan while you’re shopping so you can take control of your health, wellness and budget. Find out what your health care plan will cover to make sure you’re taking advantage of everything your plan has to offer. Learn more about Priority Health individual and family plans here.