Understanding health insurance and you: Part 2

(English)

(English) Health insurance can be confusing. That’s why we broke it down into easy-to-understand language in part one of our “Understanding health insurance and you” mini-series. In this article (part two), we’ll help you rethink your relationship with your health insurance company.

Your insurance company is your partner in health

Think of your health insurance as a teammate in your health and wellness. After all, you both want you to be healthy and happy. And taking steps to improve your health not only boosts your quality of life but can also help lower healthcare costs. Make the most of your relationship with your insurance provider by talking openly, asking questions and leaning on them for guidance. Reach out for advice and support whenever you need it.

One way Humana supports members is by helping them find the right provider for their needs, lifestyle and budget.* A value-based care provider may be right for you. Value-based care providers are paid not by the number of services they provide but according to the health outcomes of their patients. Our article, “How to find the right VBC provider for you,” helps you figure out what matters most to you when choosing a primary care provider. Once you know what you’re looking for in a doctor, Humana can help you find the right provider to meet your criteria. Watch this two-minute video to hear why these members love their doctors and their Humana plans.

Make the most of your insurance benefits

Many Humana Medicare Advantage plans include SilverSneakers^® and Go365^® benefits.^† SilverSneakers gives beneficiaries access to certain gyms and recreation centers as well as on-demand and virtual classes for no additional cost when it’s available as a plan benefit. You can take classes from strength training to tai chi, yoga to Zumba. Programs like this help you stay active and join a community.

Humana’s Go365 is a wellness program that rewards Medicare Advantage members for completing eligible health activities such as getting preventative screenings, social and health education activities, fitness activities and community programs. Every eligible action earns rewards that can then be redeemed for gift cards through the Go365 Mall to use online or in store at popular national retailers.

Your insurer wants you to stay as healthy as possible for as long as possible. That’s why they may offer services and screenings at no additional cost to you. Take advantage of those. If you’re not sure what your insurer covers, review your Summary of Benefits, ask your licensed health insurance sales agent or call your insurer for help. Your insurer has a team of people ready and waiting to help you make the most of your plan.

How your insurer can help you

Check to see if your insurer has local offices to help you make the most of your health plan. Many insurers provide Care or Case Managers to help you understand your plan and manage your health needs. These people can connect you to local resources and value-based primary care providers. You might also ask which community-based resources your carrier offers. Humana offers the Humana Community Navigator, to help members find resources in their area for food, housing, transportation, employment assistance and more. We aim to make healthcare more human by looking at you as a whole person, not just a member.

Wondering how to best communicate with your insurance carrier so you can make the most of your health plan?  Read part three of our series.