When it comes to your employee benefits, the options you’re offered are more than just perks; they’re tools to help you save money, stay healthy, and plan for the future. Making the most of your benefits requires proactive engagement; simply having them isn’t enough. Yet, many employees don’t take the time to fully utilize all the benefits available. Here’s how to actively make the most of them, starting with your health insurance.
Register with Your Insurance Carrier Early
Your health insurance provider offers more than just coverage for doctor visits and prescriptions. By registering on their website or app, you can:
- Access your plan details anytime, anywhere
- Check your claims and coverage history
- Find in-network providers quickly
- Receive personalized reminders for important health milestones
Many carriers also provide rewards programs that give you incentives, like gift cards for completing preventive care, wellness activities, or screenings. These small steps can add up to big savings and better health.
Take Advantage of Preventive Care
Preventive care is more than just a buzzword. Routine checkups, vaccinations, screenings, and annual physicals can help catch potential health issues early. Many insurance plans cover these services at little to no cost. By staying proactive, you not only improve your health but may also earn rewards through your insurance’s wellness programs.
Use All Available Benefit Solutions
Your employer likely offers more than health insurance. Retirement plans, flexible spending accounts or health savings accounts, telehealth services, mental health programs, and lifestyle discounts are all designed to support your overall well-being. Not taking full advantage of these benefits is like throwing money out the window. Registering with these platforms ahead of time, especially telehealth and mental health services, ensures you can access help and support when you need it most. By signing up, you can:
- Access discounts and rewards for healthy behaviors
- Save on everyday expenses like gym memberships, vision care, or prescriptions
- Take control of your financial and personal health goals
Be Proactive in Managing Your Benefits
Actively engaging with your benefits can help you save money on healthcare and lifestyle expenses, earn rewards and incentives for making healthy choices, reduce stress by giving you a clear understanding of your coverage and options, and keep you proactive in managing important personal health milestones. Don’t let your benefits sit unused. Register with your insurance carrier, explore the full range of offerings your employer provides, and take advantage of rewards for preventive care and healthy habits. Your future self, both in health and finances, will thank you.