3 tips for using your Marketplace health insurance

Now that you have Marketplace health insurance, here are 3 tips for getting the most

out of your health coverage:

Understand your deductible

A deductible is the amount you have to spend for covered health services before your insurance company starts to pay. So, if your deductible is $1,000, your plan won’t pay for most services until you’ve spent $1,000 out-of-pocket for covered health care services that apply towards your deductible.
It’s important to know which services in your plan don’t count towards your deductible. Some plans cover primary care visits before you meet your deductible–you just pay a copayment. Other plans offer discounts on drugs, including generic drugs.
Read your plan materials carefully to see what’s covered before you meet your deductible.

Even if you don’t need care right now, it’s important to find a doctor you can trust who’s in your plan’s network. Contact your insurance company to find out which providers are “in-network.”
If a provider is “out-of-network,” it usually costs you more.
Networks can change, so check with your provider each time you make an appointment.

All Marketplace plans cover recommended preventive health care at no cost when delivered by an in-network provider. This includes immunizations for children and adults, annual well visits for women, obesity screening, and counseling for people of all ages.

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