Speak to an advisor888-258-6270
Before you think about health benefits for next year, use the ones you have already. You don’t have to wait until you or your family members are sick.
Visiting your health care providers when you are well can help with early detection and treatment of illnesses and diseases. Plus, these preventive exams can help you assess your family’s health and health care needs, which can help you determine what health insurance and health benefits plans to buy in the future.
Before you choose health benefits for 2016, whether through your employer or Obamacare open enrollment, make sure you schedule these preventive health care appointments:
An annual wellness exam or physical allows you and your primary care doctor to touch base about your overall health and talk about any changes that may be in order related to your lifestyle, prescription medications or current treatment plans for health conditions. A routine physical may vary slightly from physician to physician. In general, however, the appointment will include:
Depending on your gender, age, family health history and other risk factors, your doctor may perform additional examinations and order laboratory tests.
Under the Affordable Care Act, major medical health insurance plans that qualify as minimum essential coverage must include many preventive care services at no cost—this does not apply to grandfathered health insurance plans or plans that are not subject to the Affordable Care Act, such as short term health insurance. Check your health insurance policy to confirm your preventive care benefits, and contact your health insurance company’s member services department with specific questions.
Preventive dental care is important for many reasons, namely keeping teeth and gums healthy. The American Dental Association lists regular dental visits for professional cleanings and oral examination among the key ways to prevent tooth decay and gum disease.1,2 During these visits, you and your dentist will also discuss any oral health concerns you may have and additional oral care you may require in the future.
How often should you see a dentist for routine dental care? It depends on your oral health needs. As the ADA states, some people need to visit the dentist once or twice a year, while others need to go more frequently.3 Ask your dentist what he or she recommends for you.
While dental insurance benefits vary, many dental plan benefits cover two preventive exams and cleanings per calendar year. Because dental insurance emphasizes preventive care, a lot of dental insurance plans (including those sold to individuals and families as well as those available through an employer) cover preventive services at or close to 100 percent. Check with your dental insurance plan to confirm your current benefits.
A comprehensive eye exam is another important part of preventive health. This preventive visit to an eye doctor such as an optometrist or ophthalmologist will include an assortment of tests to evaluate vision and eye health. You and your eye doctor will also discuss your health history and any vision or eye health concerns you may have. Eye exams can also help detect diseases and health problems such as diabetes and high cholesterol.4
The American Optometric Association recommends an eye exam every two years for asymptomatic or risk-free children ages 6 to 18 and adults age 18 to 60.5 Adults 61 and older, as well as at-risk children and adults, should visit the eye doctor annually. For children younger than age 6 years old, the AOA advises an eye exam at 6 months and 3 years and more frequently as recommended.
Again, visiting the eye doctor will provide helpful information about your health care needs—information you should keep in mind when it’s time to buy 2016 health insurance coverage and plan for annual health care expenses. If you do not have vision insurance, consider shopping for a dental plan that includes a vision discount program.
These annual preventive care visits can help you determine what major medical health insurance coverage and supplemental benefits (e.g., dental, vision) you should buy for 2016.
Take note of the following and consider it when shopping for a health plan during 2016 open enrollment:
Just because your health insurance benefits met your health care and financial needs this year does not necessarily mean you should buy the exact same coverage next year. Your health and health risks may change. Your health or dental insurance plan’s network and benefits may change. Companies and plans exit the market. Assess your current coverage. Shop around to see what else is available, and read plan details carefully—both for the coverage you might renew and other options you are considering.
If you need help making decisions or finding the right health, dental or vision benefits, contact your health insurance agent or broker.
Don’t have an agent or broker to work with? You can also get a quote at healthedeals.com and call 888-839-7679 to talk to an IHC representative.
1American Dental Association. “Decay.” http://www.mouthhealthy.org/en/az-topics/d/decay
2American Dental Association. “Gum Disease.” http://www.mouthhealthy.org/en/az-topics/g/gum-disease
3American Dental Association. “Questions About Going to the Dentist.” http://www.mouthhealthy.org/en/dental-care-concerns/questions-about-going-to-the-dentist/
4Heiting, Gary and Jennifer Palombi. “Why are Eye Exams Important?” Last updated Feb. 2014. http://www.allaboutvision.com/eye-exam/importance.htm
5American Optometric Association. “Recommended Eye Examination Frequency for Pediatric Patients and Adults.” http://www.aoa.org/patients-and-public/caring-for-your-vision/comprehensive-eye-and-vision-examination/recommended-examination-frequency-for-pediatric-patients-and-adults?sso=y
THIS PLAN DOES NOT MEET MINIMAL ESSENTIAL COVERAGE REQUIREMENTS FOR PEDIATRIC DENTAL SERVICES AS PART OF THE ESSENTIAL HEALTH BENEFITS IN ACCORDANCE WITH THE AFFORDABLE CARE ACT (ACA) PROVISIONS.
About The IHC Group
The IHC Group is an organization of insurance carriers and marketing and administrative affiliates that has been providing life, health, disability, medical stop-loss and specialty insurance solutions to groups and individuals for over30 years. Members of The IHC Group include Independence Holding Company (NYSE:IHC), American IndependenceCorp. (NASDAQ: AMIC), Standard Security Life Insurance Company of New York, Madison National Life Insurance Company, Inc. and Independence American Insurance Company. Each insurance carrier in The IHC Group has a financial strength rating of A- (Excellent) from A.M. Best Company, Inc., a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations. (An A++ rating from A.M. Best is its highest rating.) Collectively, the companies in The IHC Group provide insurance coverage to more than one million individuals and groups. For more information about The IHC Group, visit www.ihcgroup.com.
About IHC Specialty Benefits, Inc.
IHC Specialty Benefits, doing business as Health eDeals Insurance Solutions is a full-service marketing and distribution company that focuses on small employer, individual and consumer products. Health eDeals markets products through general agents online, telebrokerage, advisor centers, private label and directly to consumers. For more information about Health eDeals visit www.HealtheDeals.com.