7 Ways to Maximize the Benefits of Your Health Insurance

Smart tips to help you save money and get the care you deserve

Health insurance is more than just a card in your wallet—it’s a tool that, when used wisely, can protect your finances and support your well-being. The truth is, most people don’t use their health insurance to its full potential. They pay their premiums, but miss out on benefits, discounts, and programs they’ve already paid for.

At Budd Health Advisors, we help people every day learn how to make the most of their health insurance—whether it’s a private plan, ACA coverage, or a group policy. In this article, we’ll walk you through seven simple and effective ways to maximize your plan and reduce unnecessary costs.

Before we jump in, don’t forget to visit www.buddhealthins.com and subscribe for more health insurance insights. You can also follow us on Facebook @www.facebook.com/buddhealthadvisors for weekly updates and helpful tips.

1. A digital footprint has never been more important: Use your insurance provider’s online portal or app

Most people don’t realize their health insurance company offers online tools that can make their life easier and help them save money.

• Your provider’s portal usually lets you track claims, view your deductible progress, and find in-network providers instantly.

• Some apps allow you to compare medication prices, set up virtual care, or even chat with a nurse 24/7.

• Using these tools can help you avoid surprise bills and catch issues before they become expensive.

Make it a habit to log into your portal monthly. It’s a small step that can lead to big savings over time.

2. Prevention pays off: Take full advantage of preventive services

One of the most valuable (and often overlooked) parts of your health insurance is free preventive care. Under most plans—especially private plans that are medically underwritten —you’re entitled to routine screenings and annual check-ups at no additional cost.

• Services like mammograms, colonoscopies, flu shots, and cholesterol tests are typically covered 100%.

• Many plans now include preventive mental health screenings, as well as virtual wellness visits.

• These appointments can detect issues early—before they become serious, expensive problems.

Use it or lose it. Preventive care doesn’t roll over, so book those appointments each year to stay ahead of potential health risks.

3. A second opinion can save you stress and money: Know when and how to use telehealth

Telehealth isn’t just for emergencies or COVID-era convenience. In 2025, many insurance providers are pushing telemedicine as a standard part of care—and often cover it at little to no cost.

• Use telehealth for things like colds, infections, skin rashes, or routine follow-ups.

• Most providers offer on-demand video or phone consults with licensed doctors, nurses, or therapists.

• Telehealth can help you avoid urgent care or ER visits, which cost significantly more.

If your health plan includes a telemedicine benefit, it’s one of the easiest and most cost-effective ways to get quick care from home.

4. Small steps, big impact: Enroll in wellness programs and incentives

Did you know your insurance company might pay you to get healthy? Many health insurance providers offer rewards, discounts, or incentives for healthy behavior.

• You might earn gift cards or premium discounts for logging your steps, getting a flu shot, or completing an annual physical.

• Some plans include fitness memberships, diet counseling, or smoking cessation support—at no extra cost.

• Check if your insurer partners with gyms, nutrition programs, or wellness apps.

This is money that’s already built into your plan, but most people don’t know it’s available. Budd Health Advisors can help you identify and enroll in these extras when we review your plan together.

5. The network makes the difference: Always stay in-network when possible

One of the fastest ways to burn through your insurance budget is to accidentally visit an out-of-network provider. Even with a good plan, those out-of-network costs can leave you with a massive bill.

• Use your insurance portal or mobile app to search for in-network doctors, specialists, and facilities.

• If you're unsure, call the office before you book your appointment to double-check their network status.

• Some policies also have "tiers" within the network, and choosing preferred partners can reduce your copays.

It only takes a few minutes to confirm a provider’s network status—and it could save you hundreds, even thousands, in unexpected bills.

6. Paperwork matters: Understand your Explanation of Benefits (EOB)

Your Explanation of Benefits (EOB) isn’t a bill—but it is one of the most important documents you’ll receive from your insurance provider.

• The EOB shows what was billed, what your insurance covered, and what you may owe.

• Mistakes are common, and reviewing your EOB helps you catch billing errors or duplicate charges.

• If something doesn’t look right, call your insurance company before paying any medical bills.

It’s a good idea to set up email alerts for new EOBs and review them as they come in. You can also store them digitally in case you need to file an appeal or dispute later.

7. Personalized guidance makes a difference: Work with a health insurance advisor

The biggest secret to getting the most from your health insurance? Talk to someone who knows how it works. At Budd Health Advisors, we help clients understand the fine print and avoid costly missteps.

• We’ll help you compare plan benefits and find hidden savings in your current policy.

• Need to switch providers, file a claim, or dispute a charge? We can walk you through the process.

• Our consultations are personal, clear, and backed by real experience in the private health insurance space.

There’s no need to guess when it comes to your health coverage. Our job is to make sure you’re not only covered—but confident in your plan.

We cover all of these topics in much greater detail in our online course. If you'd like to take a moment to learn a little more about what's included in our course, simply click the button below. Or keep reading and learn a little something along the way!

Your health insurance is meant to be a tool, not a burden. When used correctly, it can give you access to better care, reduce your out-of-pocket costs, and help you live a healthier life. But you have to be proactive—review your benefits, ask questions, and don’t leave valuable resources on the table.

At Budd Health Advisors, we specialize in helping individuals, families, and small business owners get the most from their private health insurance plans. Whether you need a full plan review, help filing claims, or support navigating open enrollment—we’re here to walk with you every step of the way.

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