A health plan is a type of insurance that helps pay for medical expenses. There are many different types of health plans, but they all have some basic features in common. Most health plans have a network of doctors, hospitals, and other healthcare providers that they contract with to provide care for their members. 

Health insurance is a necessary expense for most American families, but it doesn’t have to be a budget-buster. You may visit UHA Health Insurance to learn more about health plans in Hawaii. There are a few simple things you can do to make sure you’re getting the most value out of your health plan.

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1. Know your benefits. Most health plans have an annual open enrollment period when you can make changes to your coverage, but you can also usually make changes if you have a life event like getting married or having a baby. It’s important to understand what benefits are available to you and how they work. 

2. Use in-network providers. Your health plan has a network of doctors, hospitals, and other healthcare providers that have agreed to provide care at pre-negotiated rates. By using in-network providers, you’ll usually pay less out of pocket than if you go out of network.

3. Take advantage of wellness programs. Many health plans now offer programs that encourage healthy living and help manage chronic conditions like diabetes or heart disease. These programs may include things like fitness tracking, nutrition counseling, and access to online resources.

4. Use generic medications when possible. Generic drugs are just as effective as brand-name drugs, but they usually cost much less. If your doctor prescribes a brand-name drug, ask if there’s a generic option.