When selecting a health insurance policy, knowing what add-ons or extra coverages you need can be difficult. Add-ons are additional services or benefits added to your existing policy, usually for a small additional premium.
It's important to understand all of your options so you can make an informed decision about which add-ons will be the most beneficial for you. Here are three insurance add-ons that you might want to consider adding to your existing policy.
Prescription Drug Coverage
Many well-rounded health insurance policies offer prescription drug coverage as an add-on option. This may include coverage for generic drugs, brand-name medications, over-the-counter drugs, and even vitamins and supplements.
If you take regular medication, this could be a great way to save money on your healthcare costs. You can get more information on prescription drug coverage from your insurance company if this is something you think you might need.
Dental and Vision Coverage
Dental and vision coverage doesn't typically come in as a part of a basic health insurance policy, so many people decide to add it as an optional add-on. This type of coverage can help you save money on dental and vision care if you prefer having annual dental checkups and eye exams.
These types of policies also cover routine dental cleanings as well as eyewear purchases (glasses or contacts). If you have any existing dental or vision issues, this is an important add-on to consider adding to your policy so you can keep up with these needs.
Dental and vision coverage may vary from plan to plan, so be sure to do your research to make sure the coverage you get is exactly what you need. Some coverage options may include certain clauses that could limit the types of services covered. Check with your insurance provider to see what type of services are covered and how much you will have to pay out-of-pocket.
Mental Health Coverage
Mental health services can be expensive if you don't have insurance. Many policies now offer mental health coverage as an optional add-on. This includes coverage for counseling sessions and other mental health treatments such as cognitive behavioral therapy (CBT). CBT, in particular, can be beneficial if you are looking to manage anxiety or depression.
Like with the other add-ons, mental health coverage varies from plan to plan, so you will want to double-check with your insurance provider about the specifics of their coverage. Choose a policy that offers comprehensive mental health coverage if this is something that is important to you.
For more info, contact a local provider like JLC Insurance.