How to Get the Most from Your Health Plan: Use It, Don’t Waste It

Most people don’t use the benefits they’re already paying for. This guide shows how to get real value from your ACA health plan — from free checkups to lower prescription costs.

You Got the Plan — Now What?

Most people sign up for health insurance and never touch it again… until there’s an emergency.But here’s the truth: you’re likely leaving money and benefits on the table.

This article shows you how to actually use your health plan like a pro — so you stay healthier, save money, and avoid unexpected bills.

✅ 1. Schedule Your Free Annual Checkup

All ACA-compliant health plans come with one 100% free preventive checkup per year. No copay, no deductible.

Use it to:

• Catch problems early

• Update prescriptions

• Ask about stress, weight, sleep, or chronic conditions

• Get lab work or screenings done

Don’t wait until something’s wrong — prevention is cheaper than treatment.

💊 2. Save on Medications with Formulary Checkups

Your plan includes a list of covered medications (called a formulary). But here’s the trick:

Ask your doctor to:

• Prescribe generic options when available

• Review your plan’s drug list to avoid high-cost meds

• Submit a “prior authorization” if something isn’t covered

Bonus Tip: Some pharmacies offer cheaper cash prices than your insurance copay. Ask both.

🧑‍⚕️ 3. Find In-Network Doctors

Your insurance only fully covers doctors and facilities in your network. Out-of-network = big surprise bills.

Here’s what to do:

• Log into your insurance provider portal

• Search for a primary care provider near you

• Use the “Find Care” tool to locate urgent care, labs, specialists, or mental health services

• Or ask me — I can help you check fast

🧠 4. Use Your Mental Health Benefits

Most plans now include behavioral health coverage — and many providers now offer virtual visits.

Covered services may include:

• Therapy or counseling

• Substance abuse programs

• Depression/anxiety treatment

• Psychiatric evaluations

🦷 5. Look for Extra Perks

Some ACA plans offer:

• Free gym memberships

• Teledoc access (24/7 doctor calls)

• Transportation to medical visits

• Vision or dental add-ons

• Grocery or OTC cards for specific conditions

Check your plan booklet — or let me review it with you.

📅 6. Keep Your Plan Up to Date

Life changes fast. If your income, address, or household changes, update your plan:

• It could increase your subsidy

• You might qualify for a better plan

• You avoid IRS penalties at tax time

Don’t guess — contact your agent (me!) and I’ll walk you through updates in minutes.

🙋 Need Help Using Your Plan?

If you have a question — about bills, coverage, prescriptions, or anything — I’m here to help.

📞 Let’s Make Sure You’re Covered and Confident

📱 Call or text:407-815-5238💬 Chat with me live: Live agent chat bottom right📄 Need a plan review?

🗣️ Real Client Testimonial

"I had no idea my plan included free mental health visits and virtual care. Jackson walked me through everything, and now I use it monthly."— Loren, Orlando FL

Don’t Waste What You Already Have.

You took the right step by getting insured — now take the next step and use it wisely.

👉 [Let’s Review Your Plan Together]👉 [Chat or Call for Help]