Jul 05 2012
Often times, it seems like
insurance policies never provide coverage for necessary procedures and
programs; but you may be surprised at just how many benefits insurance
companies supply to their constituents. As people and jobs evolve, so do
employee benefit plans. As Fox Business
reports, taking the time to read your
policy could save you a lot of money and hassle.
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.
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.
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
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.
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
“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.
Have a question about your
policy? Ask us on our Facebook
pages, or visit our website
to learn more about what Prescott Pailet Benefits can do for
you and your business.
health insurance; employee benefits; insurance benefits; wellness; health benefits; insurance