Right now, many of our clients are concerned about getting the flu—especially H1N1 (Swine Flu). The answer to the question on most people’s minds is “yes,” the H1N1 vaccine is going to be covered by your insurance in most cases, but it’s still being given out on a priority basis.
We’re glad people are asking about vaccines because preventative care is an extremely important tool in staying healthy and avoiding potentially costly insurance charges related to illness. And most high-deductible plans have excellent preventative care features at no charge or that don’t apply to your annual deductible.
In addition to vaccines, regular wellness visits, covered screening exams, exercise and proper diet are a powerful ways to keep the body strong and to nip health issues in the bud.
We’re also aware that there are a significant number of people out there who are uncomfortable taking vaccinations for various reasons. In those cases, keeping the immune system strong through preventative measures is especially important to staying healthy and avoiding illnesses such as H1N1. Talk to your doctor, nutritionist or acupuncturist about the best ways to keep your immune system at peak performance to stave off seasonal flu and H1N1.
If you’re confused about what’s covered and what’s not, your broker should be a resource in answering your questions and directing you toward covered preventative care. You’re paying the premium costs for your insurance, so we want to make sure you’re getting the most out of that coverage and really leveraging it to support your good health.
When a virus runs rampant such as H1N1, it can be scary. People who need to be in public for work and life get understandably worried that they could be exposed and be the next to get sick. We as brokers hope that through covered preventative measures and good, clear information, our clients can feel more empowered … and more healthy.
Note: Every insurance carrier and every plan operates a little bit differently. As a reminder, always check with your doctor or carrier to confirm covered benefits and what qualifies as in-network services. Out-of-network services may cost more or have different coverage levels.