Why Maximize Your Benefits Now?
The end of the year often marks significant changes in health insurance, such as deductible resets and policy updates. This is especially true for Nebraska residents relying on Marketplace plans, where open enrollment can bring new options and changes to your coverage. Preparing ahead ensures you’re not leaving benefits unutilized and minimizes unnecessary costs.
Schedule Annual Check-Ups and Preventive Screenings
Health insurance policies typically cover annual check-ups, vaccinations, and preventive screenings without additional cost. These visits help detect potential health issues early and keep your health on track. Ensure you’ve scheduled any necessary appointments, as medical facilities often get busier towards the year’s end.
Understand Deductible and Out-of-Pocket Maximums
Deductibles reset every year, meaning any progress you’ve made toward meeting yours will disappear once January hits. If you’ve already met your deductible or are close to doing so, consider scheduling treatments or procedures now. This can save you significant out-of-pocket costs before the reset.
Utilize Remaining HSA/FSA Funds
- Prescription eyewear
- Dental treatments
- Over-the-counter medications
- Copays for eligible services
Plan for Necessary Procedures or Treatments
If you’ve delayed elective procedures, now is the time to schedule them. Consider treatments like physical therapy, dental work, or minor surgeries that may not be covered in the same way next year. Working with in-network providers ensures you avoid unexpected costs.
Use Free Preventive Care Services
Marketplace plans in Nebraska include free preventive care services like cholesterol checks, cancer screenings, and flu shots. These services not only safeguard your health but also maximize your insurance coverage at no additional cost to you.
Check Coverage for Vaccinations
Vaccinations are often fully covered under most Marketplace plans. With cold and flu season in full swing, now is the perfect time to get your flu shot or other necessary immunizations.
Address Prescription Drug Needs
If you take regular medications, check if you’re eligible for a 90-day supply instead of a 30-day refill. This ensures you’re covered during transitions into the new year and helps you avoid potential price hikes or changes in covered drugs.
Explore Mental Health Coverage
Mental health services are becoming increasingly accessible under health insurance policies. If you’ve been considering therapy, counseling, or other mental health services, take advantage of your benefits now before deductibles reset.
Verify In-Network Providers Before Appointments
Ensure that your doctors, specialists, and facilities remain in-network, as out-of-network services come with significantly higher costs. This is especially relevant for Nebraska residents using Marketplace plans, as provider networks can vary.
Consider Telehealth Options
Telehealth services are a convenient way to access care without the hassle of in-person visits. Many health plans cover telehealth appointments for primary care, mental health, and more.
Understand Open Enrollment and Changes for the Next Year
Nebraska’s Health Insurance Marketplace open enrollment typically occurs from November to January. Use this period to compare plans, update your coverage, and ensure that your policy aligns with your health needs for the upcoming year.
Seek Support from Mark for Marketplace Coverage Questions in Nebraska
Navigating the Marketplace can be challenging. Mark Schlange from Marketplace Nebraska can help answer your questions, clarify coverage, and assist with enrollment.
Strategies for Families and Dependents
If you’re covering dependents, review their health needs and ensure they’ve utilized preventive care benefits. Children may qualify for additional services under specific Marketplace plans in Nebraska.
Wrap-Up: Start Planning for Next Year
Need Assistance? Contact Mark from Marketplace Nebraska!
If you have questions about your Marketplace plan, need help scheduling services, or want personalized guidance, reach out to Mark at Marketplace Nebraska at 402-718-9400. His expertise in navigating health insurance plans ensures you make the most of your benefits before the year ends.
