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Three Perks Health Insurance May Cover For People In Their 20s

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Health insurance – everyone needs it and everyone has to have it. When you're in your 20s and relatively healthy, it can be easy to forget about it, though. This is especially true if you are on an employer plan or still on your parent's plan, since you aren't feeling the monthly premium sting. Still, since you have it, why not get the most from it? This guide will help you maximize your insurance benefits.

#1: It Pays to Work Out

One of the best ways to stay healthy and fit is with an active life, but it can be difficult to carve out time for exercise when you are a busy young professional. A gym membership is the answer for many people in their 20s, since they can go work out or even take classes at their leisure. Unfortunately, gym memberships are expensive. Enter your insurance company. Many health insurance plans offer free or discounted memberships to gyms, or they may offer a reimbursement for a portion of your annual gym fees.

These discount and reimbursement programs aren't just limited to gyms. There may also be programs for massage therapy and alternative treatments like acupuncture, or for uncovered procedures, such as Lasik. It doesn't hurt to call and find out what is available.

#2: Health Coaching

Navigating the waters as a newly minted adult can be both exciting and overwhelming. Nowhere is this more true than when it comes to health care. If you are like most young people, you don't know what kind of tests and preventative procedures you should be getting done. This is where a health coach can help. A coach can help you understand what types of health care you need at specific ages, help you set up diet and nutrition plans, and provide screening and assessments to help you better manage your health. Your insurance company may offer access to coaches through their own network or they may cover the service at your regular medical practice.

#3: Rewards Programs

You read that right; your insurance company may pay you to be healthy. These programs vary, so you have to check with your insurer for details. As a general idea, rewards points are given for keeping regular doctor's appointments, performing recommended screenings, meeting fitness or weight-loss goals, or quitting damaging behavior, like smoking. Some programs may also award points for taking in-person or online classes on health care topics. You can then cash in the points for prizes or cash rewards.

To check out health insurance in your area, contact a company such as Quesenberry Agency For Blue Cross-Blue Shield.