One does not always think of doing an insurance checkup. You know how important it is to take care of yourself, so you visit your doctor regularly and try to eat healthy and exercise. Getting regular checkups is a wonderful way to take charge of your health. However, health checkups aren’t the only types of checkups you should be completing.

We would like to encourage you to take a little time this summer to do an insurance checkup . Your insurance is directly related to your health. When you have the right insurance coverage, you can get the health care that you need without worrying about your policy or finances.

Fortunately, you don’t need a medical professional to help you perform a medical insurance evaluation, and no co-pays are required! Here’s how to complete a health insurance checkup at home.

Gather Your Plan Documents

Before you can check your current insurance, you need to understand exactly what coverage you currently have. Start this processes by gathering all of your plan documents. Your insurance plan rider should list all of the terms and conditions of your coverage. If you can’t locate this information, give your agent a call to request it.

Check Your Bills

Next, you’ll want to collect all of your medical bills and insurance statements from the last year or so. Gathering bills probably isn’t on your list of favorite things to do, but it’s a necessary part of the process.

Once you’ve collected your documents, read them carefully. Make a note of any services you received that were not covered under your plan, and take note of what most of your money was spent on. For instance, you might notice that most of your money goes toward high prescription co-pays, allergy tests for your son, or occupational therapy for your teen.

Consider Current and Upcoming Needs

Now that you have a good understanding of where your health dollars went in the last year, take some time to jot down your biggest current and upcoming health needs. This can include everything from the medication you take every month to the outpatient procedure that your daughter needs to have next year.

Of course, it’s impossible to predict every healthcare need you will experience in the future, but noting your biggest needs allows your insurance professional to make sure your plan covers these needs in the most comprehensive way.

Get Professional Advice

Navigating the waters of health insurance can be tricky. If you find more questions than answers when performing your health insurance checkup, it’s important to remember that you don’t have to figure all of this out alone.

At Herndon Carr & Co., we are ready to assist you with all of your insurance needs, including health insurance, so don’t hesitate to give us a call. Our knowledgeable agents are ready to answer your questions, help you fill in coverage gaps, and ensure that you have the best health insurance possible. Our agents aren’t tied to just one insurance company. Instead, we compare plans from many different providers to find the best fit for your specific needs.

Herndon Carr
10501 Six Mile Cypress Pky #101
Fort Myers, FL 33966