health-insurance-innovations-vaccinations

For National Immunization Awareness Month, Make Sure Your Clients Have Access to Preventive Care

August is National Immunization Awareness Month (NIAM), an annual initiative sponsored by the National Public Health Information Council (NPHIC) to encourage people of all ages to make sure they are up to date on vaccinations recommended for them. Vaccinations can serve as a preventive step to help your clients protect their health as well as the health of their communities.

Remember that vaccines are important for all of us. Here’s why:

  • The same germs that caused diseases such as whooping cough, measles, and polio still exist today, but vaccines now protect children against these diseases
  • Immunization of children helps the overall community by protecting those who are too young or are medically unable to be vaccinated
  • Adults are at risk for different diseases than children, and it is important to keep up with vaccinations, as they can wear off over time

Offer immunization care to your clients

Offer your clients coverage that includes preventive and wellness benefits. Plans that encourage yearly wellness exams promote a convenient time for members to get vaccines. ACA plans are required to include vaccines among covered preventive services. You may be able to offer the following plans to also assist your clients.

  • Short-term medical: STM plans provide benefits similar to major medical for a limited period of time. They’re typically used during times of transition, such as graduating from college, waiting for employer insurance to begin, or waiting for Medicare coverage to begin. The plans can provide members with a choice of provider and facility, a range of deductibles, co-pays, and cost sharing options to fit your client’s budget needs. These plans are useful for members who have a gap in coverage and can be used to take advantage of preventive services such as vaccination. Note: they do not typically cover pre-existing conditions.
  • Health benefit insurance: HBI plans (otherwise known as limited medical benefit plans) can be useful for clients who are looking to supplement their major medical coverage or those who are not able to afford major medical insurance. These plans provide pre-determined cash benefits based on a covered service. They may also provide little to no waiting periods, which may be useful for a loved one who is need of benefits sooner rather than later. They are not comprehensive medical plans and are not intended to replace a major medical plan.

Note: STM and HBI plans do not count as minimum essential coverage required by the Affordable Care Act and are not suitable to serve as sole medical coverage. They are not sufficient forms of coverage to avoid facing a tax penalty. Review any terms, conditions, limitations, and/or restrictions carefully prior to any purchasing decision.

Set your clients up for healthcare success

Many plans have additional features that can assist your clients in other areas of their healthcare needs.

These benefits can include:

  • Prescription savings program that help them save on generic and brand-name medications.
  • Ability to speak to a licensed doctor over the phone or mobile app to diagnose common illnesses
  • Patient advocacy service that can help your client find procedures for the lowest cost and negotiate large bills

Learn more about helping your clients with their vaccination and preventive care needs by:

Click here to like us on Facebook for important industry updates, tips, and articles!

Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

For agent use only – not for use with the general public

 

 

Sources:

“Vaccines & Immunizations” https://www.cdc.gov/vaccines/vac-gen/howvpd.htm.

“Vaccine Safety: The Facts” https://www.healthychildren.org/English/safety-prevention/immunizations/Pages/Vaccine-Safety-The-Facts.aspx.

What Benefits Do Your Clients Want for National Physical Fitness and Sports Month

What Benefits Do Your Clients Want for National Physical Fitness and Sports Month?

It’s May – time for flowers, fun, and fitness!

In 1983, May was first declared as National Physical Fitness and Sports Month, a month to raise awareness about the benefits of physical activity and spread the word about fun ways to get moving. When you talk to your clients about their coverage needs this month, it’s simple to keep physical fitness in mind as you go over their benefit options.

According to the U.S. Department of Health and Human Services, some of the benefits of physical activity include1:

  • Improved muscular fitness, bone health, and heart health
  • Lower risk of heart disease, type 2 diabetes, and some types of cancer
  • Lower risk of falls and improve cognitive functioning (like learning and judgment skills)

Let’s take a look at a few available insurance benefits to pique the interest of those clients looking to improve their fitness:

Wellness care

When your clients begin thinking about increasing their physical activity, they’re likely to also begin thinking about how to make healthier choices going forward. Short-term medical and limited medical coverage are options that may be able to help your clients maintain access to quality health care all while including wellness care benefits that can assist them as they do just that.

Preventive care 

Beyond learning more about healthier choices, your clients may also be interested in learning more about their general health as well as screenings and shots. Short-term medical and limited medical coverage can include preventive benefits that give them access to quality physicians who can provide such care.

Routine doctor visits

Maintaining their general health is likely to become a priority as your clients improve their fitness. With short-term medical coverage, they can take advantage of benefits that allow for access to physicians who can provide routine care and consultations. With limited medical coverage, they can take advantage of cash benefits that subsidize the costs of such visits. Both types of coverage can provide low rates to healthcare as well as access to network providers and facilities.

Let’s also take a look at a few available non-insurance benefits as well:

Access to digital fitness tools

With tools to help them track their wellness journey, your clients can integrate personalized health and fitness guidance, including tips on nutrition and self-assessments, into their workout routines. These tools can be included in short-term medical or limited medical coverage.

24/7/365 access to board-certified doctors

As amazing as increasing one’s fitness feels, your clients may still suffer from common illnesses, allergies, or infections from time to time. Short-term medical and limited medical coverage can include benefits that allow your clients to connect with doctors in mere minutes via mobile and video to address health concerns quickly and conveniently.

Patient advocacy service

As your clients continue to increase their physical activity and make the most of their health coverage, they may need assistance navigating the world of healthcare. Short-term medical and limited medical coverage can include access to a patient advocacy service that can help your clients schedule appointments, find quality doctors and facilities, lower out-of-pocket costs, and make informed decisions about their healthcare.

It is important to keep in mind, that while short-term and limited medical coverage do provide these benefits, neither one is intended to be a replacement nor an alternative to ACA or other major medical plans. These types of coverage do not provide the minimum essential health benefits that are required and will not help to avoid the fee for not carrying health insurance.

Celebrate National Physical Fitness and Sports Month by talking to your clients about coverage that includes these benefits today!

Learn more by:

Click here to like us on Facebook for important industry updates, tips, and articles!

Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

For agent use only – not for use with the general public

1 Source: U.S. Department of Health and Human Services. “May: National Physical Fitness and Sports Month.”