The Importance of Preventive Care
Chronic diseases, many of which are preventable, are responsible for 7 of 10 deaths each year in the United States. When preventive care is used, and illnesses and diseases are caught early enough, you can avoid or better control your health problems. Preventive care is a type of health care used to shift the focus of health care from treating sickness to maintaining wellness and good health. Prevention includes a healthy lifestyle, exercise, diet, laboratory tests, counseling and immunizations. Preventive care can save you money by lowering the long-term cost of managing disease, which helps catch problems in the early stages when the disease is more readily treatable. The cost of early treatment or diet or lifestyle changes is less than the cost of treating and managing a chronic disease or severe illness.
Moreover, in-network preventive care is fully covered by health insurance. To prevent more serious problems later, schedule your regular health screenings today.
Family-building Benefits
There have been shifts in the path to parenthood as many people turn to in vitro fertilization, surrogacy and egg-freezing to build their families. As such, employers are responding to these modes of family-building with expanded and inclusive benefits.
These benefits can support many forms of family-building, but some of the most common include fertility treatment, donors and adoption. Family-building benefits can also include holistic support, such as emotional and mental health resources, while you create your family. Consider the following steps to better understand family-building benefits:
- Be aware of which fertility treatments, testing and other services are covered.
- Ask if deductibles, copayments or coinsurance are consistent with those for other health benefits.
- Ask about any pre-certification hurdles or exclusions in family-building policies.
- Research in-network clinics and service providers in your area.
Vision Insurance
Healthy vision is an important part of your overall wellness. Clear vision is just the beginning; routine eye exams can also uncover serious health concerns. Vision benefits can help you continue enjoying good health and the sights around you.
Vision coverage is similar to regular medical insurance and is one of the voluntary benefit options commonly offered. When you have vision insurance, you pay a premium, and the insurance company will cover part or all of the cost of vision care.
Vision insurance generally provides coverage for basic care and eyewear. Most vision plans cover the following:
- Annual or biannual eye exams, including dilation
- Eyeglass frames
- Eyeglass lenses
- Contact lenses