1. Review Your Benefits
The best way to make the most of your healthcare benefits is to be informed and make good decisions. CareSource and its health partners offer a wealth of information including a member handbook, a handy dandy guide to drugs and alcohol and tips for healthy living. The best part is that you can find this info at your fingertips. For example, check out the HPP Rewards center for self-management tools. Also, be sure to view the aforementioned health and wellness portal to find out about upcoming seminars, events and member resources.
The health partners medical policy is a one-stop shop for all your healthcare needs and the staff is always on call to help you make the most of your health insurance. There is a link to their website on your CareSource member homepage. The site is a must see for all Medicaid, Medicare and Blue Cross and Blue Shield members in the Central Pennsylvania area.
2. Review Your Deductible
The best way to make sure you get the most out of your healthcare benefits is to have a good understanding of them. That means taking the time to learn your plan’s network, what services are covered and how you’re expected to pay.
To start, check your Summary of Benefits and Coverage (SBC), a standard document that all plans must have. It’s a great place to find out what you’re expected to pay for specific services like counseling or surgeries. You can also see if there’s information in there about services that you might not know are covered.
Next, check your plan’s network and provider list to ensure the doctors you want to see are in the network. Insurance companies review patient surveys, claims info and overall health care data to select doctors, specialists and clinics that offer lower prices for their members.
3. Review Your Co-Insurance
If you’re looking to save money on your medical costs, it’s important to know how much co-insurance you will be responsible for. health partners medical policy can help you review your co-insurance costs and find ways to reduce them.
Most health insurance companies make special arrangements with certain doctors, hospitals and other providers to provide services at a discounted rate for their members. These are called “in-network” or “preferred provider” providers. To determine whether your health insurance policy plan has in-network doctors, visit the network page of your Health Partners Medical Policy member account and check the provider list.
Some health plans will also give you a list of covered drugs to make it easier for you to get the right pills at the right price. Some plans will allow you to get fewer prescriptions at a higher dose than others and split the cost between you and the pharmacy, which can save you money. Always talk to your doctor before you change your medications or drug dosages. If you do, be sure to use a calculator tool to make sure the new drugs are covered under your health partners medical policy.This will save you money and make it easier to receive the care you need.
4. Schedule Non-Emergency Appointments
One of the most important aspects of your health insurance policy is choosing a network provider. A network of physicians and hospitals means that you won’t be paying for services that your plan doesn’t cover. Also, the best network providers are often the ones who have the most innovative new treatment or diagnostic tools to keep your health in tip-top shape. If you’re not quite sure where to start, check out the plethora of online health care search engines. Or, just call your local Health Partners Customer Service center and let us help you find the best fit. Our friendly, knowledgeable staff is always happy to answer your questions.
5. Take Advantage of Discounts and Special Health-Related Programs
Taking advantage of the great discounts and special health-related programs that come with your Health Partners Medical Policy can help you live healthier and achieve the lifestyle you want. These benefits include discounts on fitness equipment, eyewear, healthy eating programs and spa services. You’ll also get access to the myHP mobile app that makes it easy to manage your healthcare. You can use it to schedule appointments, find answers to questions and find out how much you’ve spent on medical costs so you can make the most of your plan.
HealthPartners Medical Policy is a value-based plan that allows members to receive care from the physicians and providers of their choice, including academic medical centers, community-based health organizations and virtual services like virtuwell. This flexibility provides the ability to deliver care in the most effective, convenient and cost-efficient setting. It also supports new approaches to care that improve health outcomes while reducing costs.
HealthPartners maintains a complete set of policies and procedures for physicians, clinics and hospitals to ensure that members receive the highest quality and most appropriate healthcare. These policies are regularly reviewed and updated by CareSource and are subject to change, so please be sure to check them frequently.