How Can I Get the Most Out of My Health Insurance? 

Health insurance is an essential part of a robust financial plan, but are you maximizing the benefits that your plan offers? At McKnight & McKnight, our insurance agents have compiled a list of strategies that can help you get the most out of your health insurance. 

These tips are designed to help you understand your coverage better, minimize your costs, and ensure your health needs are sufficiently covered. Today, our team talks about:  

  • Understanding Your Current Plan 
  • In-Network vs. Out-of-Network Care 
  • Maximizing Your Preventative Care Benefits 
  • Advantages of Telemedicine 

Understanding Your Health Insurance Plan  

One of the first steps to getting the most out of your health insurance is to understand your plan thoroughly.  

Understanding your insurance policy isn’t just about reading the fine print. 
It’s about truly comprehending what your plan covers, 
what it doesn’t, and how much it’s going to cost you. 

Key health insurance terms you should be familiar with include:  

  • Deductibles: This is the amount you must pay out-of-pocket before your insurance company starts to pay its share. 
  • Out-of-pocket Maximum: This is the most you’ll have to pay for covered services in a policy period. Once you’ve reached this amount, your insurance covers all your costs. 
  • Copay: This is a fixed amount you’ll pay for a covered health care service, usually at the time you get the service or see the specialist. 

Understanding In-Network vs. Out-of-Network Services  

In the sphere of health insurance, it’s crucial to comprehend the distinction between in-network and out-of-network services. This knowledge can dramatically influence both the quality of care you receive and the amount of money you end up spending on healthcare.  


  • These are the healthcare providers who have a contract with your insurance company. They have agreed to deliver services at a pre-determined rate. 
  • Using in-network providers can save you money, as your insurance company covers a larger portion of the costs. 


  • These providers do not have a contract with your insurance company. As a result, they can charge you significantly more for services. 
  • With out-of-network services, your insurance may not cover as much, leaving you with higher out-of-pocket costs. 

To truly get the most out of your health insurance, endeavor to use in-network providers whenever possible. This way, you’re maximizing your coverage and minimizing the amount you could potentially pay out-of-pocket. 

Get Preventative Care Services Regularly 

Many health insurance plans cover preventative services at no cost to you. This might seem like an obvious point, but you’d be surprised by how many people don’t fully utilize these benefits.  

Benefits of Preventative Care 

Preventative care services can help detect health issues early on when they’re easier to treat. They can also prevent certain diseases from developing in the first place. This not only benefits your health but also helps save on potential future medical costs. 

Preventative services that your health insurance plan might cover include:  

  • Vaccines: Immunizations for flu, pneumonia, and other diseases are typically covered. 
  • Screenings: These include tests for high blood pressure, cholesterol, cancer, and diabetes among others. 
  • Wellness Visits: Regular check-ups with your doctor can help catch potential health issues early. 

It’s important to know what preventative services your specific plan covers as it can vary between different health insurance providers. If you’re unsure, our insurance agents at McKnight & McKnight can help you understand your benefits.  

“Easy to understand the comparison to previous insurance plans. Thorough explanations. Great prices.” 

Patricia S. 

Take Advantage of Telehealth Services 

Understanding your health insurance plan is crucial to making the most out of its benefits. If your plan includes telemedicine benefits, this is a unique opportunity to access medical care cost-effectively and conveniently.  

To fully maximize your Telehealth services: 

Understand Your Coverage 

Not all telehealth services might be covered by your insurance. It’s important to review your benefits summary or speak with a company representative to know what is included.  

Know Your Providers 

Some insurance plans may only cover telehealth services from specific providers. Always check beforehand to avoid unnecessary costs. 

Prepare for Your Virtual Visit 

Make sure your internet connection is stable and you have a quiet place to talk. Also, have your medical history and current medications handy to make the consultation more effective.  

Minimizing Your Health Care Costs  

Here are a few more tips to help you save without sacrificing your health:  

  • Perks & Benefits: One of the key strategies to maximize your health insurance benefits is to understand the full range of perks and benefits that your plan offers. From weight loss help to mental health and support to quit smoking, many plans offer numerous benefits, you just have to look for them!  
  • Prescriptions: Consider generic drugs over brand-name prescriptions. They are typically less expensive but just as effective. 
     Non-Emergency Care: For non-emergency situations, consider urgent care or telemedicine services. These options can be much less expensive than an emergency room visit. 

By following these strategies, you can ensure that you’re using your health insurance plan to its full potential. Remember, it’s not just about having insurance; it’s about making your insurance work for you. 

More Healthcare Tips > Must Know Facts About Health Insurance Policies 

Make the Most of Your Health Insurance  

Maximizing the benefits of your health insurance plan is essential for maintaining your overall well-being. By taking the time to understand your coverage and utilizing the various services available, you can make the most of your plan. 

Following the tips provided by McKnight & McKnight Insurance Solutions, such as staying in-network, scheduling preventive screenings, and understanding your health plan’s coverage, can help you save money and receive quality care.  

Your health is important, so take proactive steps to ensure that you are getting the most out of your health insurance plan! If you have any questions or concerns about your benefits or need help switching to a new plan, don’t hesitate to reach out to our team!  

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at McKnight & McKnight Insurance Solutions is here and ready to make the process as painless as possible. We look forward to meeting you!

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