Most of us expect our health insurance to pay for procedures like annual physicals and children’s checkups. If you’re not very familiar with your policy, you could be missing out and paying out of pocket for prescriptions and procedures that are often covered. Of course, what is covered will vary from policy to policy and state to state, but it is always worth it to call the customer service number on the back of your card to research a bit further. Read on for information on some procedures and services that are often completely free.
Medical Equipment

If you break your leg or your hip, you expect your health insurance to cover your hospital visit and any necessary surgeries. However, it can also help take care of you once you leave the hospital. If you look under the durable medical equipment section of your coverage, you’ll likely notice that crutches and wheelchairs are covered, as well as the majority of prosthetic limbs. Under this section, nursing moms can even purchase a breast pump for more than 90 percent off, saving hundreds of dollars.

Pregnancy Prevention Surgery

If you’re ready for a birth control option that is more permanent than oral, injectable, or physical birth control, you may consider a surgical alternative – tubal ligation for women and a vasectomy for men. Most people assume that they will have to pay for the procedure themselves, but in many cases, your health insurance will foot the bill. This is because pregnancy prevention surgery will ultimately save your insurer money in the long run.

Non-Western Medicine

If your normal physician is just not offering you the cure you need, you might consider alternative treatments like acupuncture, massage therapy, herbal supplements, or chiropractic services. Many of these services and procedures can be covered by your insurance. You can also use your health savings account to pay for acupuncture as long as your doctor prescribes it.

Gym Memberships

Slowly but surely, many major insurance companies are working to make exercise more attractive to their customers by offering discounted gym memberships. This is because clients that exercise regularly are less likely to suffer from medical ailments like diabetes and heart disease. Investing in gym memberships will ultimately pay off for your insurance company over time.

Sleep Studies

Are you struggling to fall asleep? Most doctors will provide sleep aids, but your insurance may provide the resources you need to get to the root of the problem. You may be able to participate in a sleep study that can reveal whether something like sleep apnea or restless leg syndrome is keeping you up at night, and both of these issues can be treated with medication.

24/7 Nurse Lines

Many health insurance companies provide their members with a toll-free number where they can speak with registered nurses 24 hours a day. This is great if you are facing a minor medical problem late at night or simply have a question about medication that you need answered before morning.

Always make sure to check your policy before you pay for a procedure or prescription. Nothing feels better than saving money on your health!