Quikcard says, “Use those health spending accounts to stay well”
Staying well and healthy has a positive trickle-down effect:
1. you feel good, do good, etc.
2. your employer benefits from your effectiveness on the job, attendance, etc.
3. your insurance company benefits from smaller claims, in the form of smaller bills for preventive care as opposed to the big ones accruing from the costs of major illnesses.
It makes sense that insurance companies providing employee benefits encourage those trips to the doctor, dentist, massage therapist, etc. They want to nip those major illnesses in the bud, while you and your employer benefit as well.
For the employer, investing in their employees’ physical and mental health creates stable and healthy work environments, increases productivity and lowers health-benefit expenses.
Health insurance companies promote preventive care as a way to provide early diagnosis and treatment for patients. Preventive care focuses on evaluating your current health status when you are symptom free. Regular preventive care prevents serious problems later on by detecting warning signs of any health disorders. Early care includes checkups and screenings to help maintain your health and save on health care costs. It’s less expensive for you, medical facilities and insurers when patients receive early treatment and advice on staying healthy.
Preventive care services include such things as immunizations, physical exams, lab work and x-rays. Your doctor can determine what tests or health screenings are right for you based on many factors such as your age, gender, overall health status, personal health history and your current health condition.
Insurance companies encourage preventive care programs, like regular checkups, to reduce the risks of costlier medical procedures.
You may feel fine but a checkup might uncover the early stages of an illness or disorder. The doctor can send you to a specialist to provide early treatment and prevent further problems.
Certain tests to monitor your health problems and condition fall outside of the preventive care category, often provided as a free service through your health insurance. You might have to pay a small deductible or out-of-pocket expense before the health insurance picks up the remaining higher costs for certain tests and treatment. This depends on your health insurance policy.
Taking your insurance company up on their encouragement to seek preventive health care creates a win-win-win for you, your employer and your insurance company in the form of your good health and productivity.