1.     Reconstructive Surgery, Depending on Circumstances, May Be Paid For: If you desire reconstructive surgery to repair damage caused by an injury, genetics or an underlying medical condition, you may be covered under your insurance policy. Coverage for these types of procedures can extend as far as speech therapy, audiology and dental work. Operations such as breast reconstruction after a mastectomy and facial reconstruction after a car accident are also covered under such premises. Although if you are seeking reconstructive solely for cosmetic purposes, such as a tummy tuck, you may need to reach for your wallet.

2.     Lifestyle Benefits: Insurance companies understand that having healthier constituents results in fewer claims filed, thus saving time and money spent. Therefore, many policies now cover life coaches and counseling services. Some plans also entitle policy holders to discounted prices at health and fitness clubs. These provisions promote physical and mental health in employees and create fewer hassles for insurance companies.

3.     Transplant Costs Are Often Covered: Insurance companies no longer view transplants as singular procedures, but as a part of the sequence of ongoing patient care for a particular disease or ailment. Coverage for transplant costs typically includes base travel and lodging expenses, the procedure itself and patient recovery care.

4.     Plan-provided Smartphone Apps: Insurance companies recognize that smart phone technology provides a new medium of simple, to the point communication between insurers and the insured not previously in existence.  Several insurance companies have developed iPhone applications to better aid consumers in making healthy choices. Such apps include Grocery Guide, an app dedicated to helping buyers make educated decisions while at the grocery store, and Care Comparison, an app that allows consumers to compare physicians based on price and patient reviews.

5.     100% Coverage Toward Smoking Cessation: Many insurance policies provide access to health coaches to help constituents stop smoking. These coaches are available all day and are accessible by phone, online or in person. This type of one-on-one support aids in the success of employees looking to reach their cessation goals.

“Part of the service that Prescott Pailet Benefits provides is to drill down into the value added services provided by each insurance company to ensure that our clients are getting the most they can from every benefit they offer. Taking that a step further, we make sure we educate their employees about how to access them!” said Kevin Pailet, Senior Vice President with Prescott Pailet Benefits.