3 Little-Known Benefits Your Health Insurance Plan May Have

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You may be surprised at the benefits you are entitled to.


Key points

  • Many people’s health insurance plans leave them stuck with hefty bills
  • Your insurance plan may actually come with hidden benefits that do the opposite.
  • Look for savings on fitness subscriptions, medications and mental health services.

Without health insurance, the cost of getting medical care can be truly astronomical—enough to potentially bankrupt you. But unfortunately even with health insurance, you may still find yourself with multiple medical bills due to limited coverage or the need for services outside your provider’s network.

But while many people with health insurance can still get saddled with expensive bills, some insurance plans offer a host of hidden benefits that can actually add up to a lot of savings. Here are a few benefits that may be hiding in your plan without you even realizing it.

1. Reimbursement of gym membership

You may love going to the gym and staying in shape, but you may not enjoy the $80 monthly credit card fee that comes with your membership. You may not have to pay any or all of this if your health insurance plan offers reimbursement for gym memberships.

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Some plans with this feature require you to submit records showing that you actually went to the gym. You’ll need to look at your plan details to find out how to qualify. There may also be a cap on the amount of refund you’re eligible for. For example, your plan can reimburse you up to $800 per year, and if you spend more than that, the rest is up to you. But it’s still better than paying the whole bill yourself.

2. Free medicines

Many people are used to visiting the pharmacy and receiving co-payments for medicines. Yours could be $5, $20, or $80, depending on the type of drug you need and whether it’s a brand-name drug or the generic version. But some health insurance plans offer free drugs. If you need things like birth control or pills to control your cholesterol, you may find you qualify for them without ever having to pay a co-pay.

You may also be entitled to large supplies of medication at no charge – for example, a 90-day supply of the pills you take daily. In some cases you may need to use a mail order service, but it’s worth getting the details so you can save.

3. A wide range of mental health services

Some health insurance plans are quite generous when it comes to mental health services. You may be eligible for things like group counseling, individual therapy, free access to mental health apps, or other services that promote strong mental health.

Know what benefits you are entitled to

Reading the rules of your health insurance plan might not seem like the most fun way to spend an afternoon. But it is important to familiarize yourself with this information so that you can not only avoid additional bills, but also take advantage of the benefits that are available to you. And if you have any questions about your benefits, don’t hesitate to pick up the phone and call the number on the back of your card. Sometimes talking to an actual person is the best way to get the information you need.

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