4 Shocking Benefits of Your Health Insurance Policy

​Health insurance may be all about benefits, deductibles, co-pays, in-network doctors, and what not. But it’s not just all about that. As it turns out, your healthcare covers a lot more than just physicals and hospitalizations. Here are some surprising benefits your health policy may cover.

Coverage for Chiropractic Care

Studies show that about 80 to 90 percent of Americans will suffer from back pain in their lifetime. Luckily, chiropractic care may be covered by your health insurance.

In some instances, you may be allowed to self-refer to a chiropractor for therapy and they’d bill your insurer. But others may need referrals from a doctor.

Coverage for Mental Health

Under the Affordable Care Act, some major essential health benefits should be covered, like mental health treatment. That includes psychotherapy and counseling, substance abuse and alcohol abuse treatment, inpatient services, preventative services, and depression screening.

Most health insurance plans provide parity when it comes to mental health. That essentially means that if your plan includes three primary care visits annually, you’re also entitled to three covered annual mental health appointments.

Coverage for Gym Memberships

There are many health policies nowadays that cover gym memberships. If you’re wondering why, the idea goes back to exercise improving one’s health and mood, as well as decreases stress.

Keep in mind, however, that this varies according to your policy. There are policies that subsidize monthly fees, pay for three months membership, or give you discounts on your monthly premiums.

Coverage for Weight Loss Programs and Nutritional Counseling

About a third of Americans are now considered obese and therefore face health challenges. Insurers nowadays try to help out with this problem. There may be policies that cover weight loss programs and nutritional counseling.

Of the two, nutritional counseling is more common. While this doesn’t always mean a free Weight Watchers membership, it may mean you will be referred to a nutritionist by your doctor.

To know more about your health coverage, talk to your agent. Our agents here at Choice Enrollment are willing to assist you as you create a health insurance policy that is tailored to your needs and budget. You can get a free online quote from us today. Call us at (719) 481-1616 or visit us at our office.​