Many times, when you think of medical benefits you only think about doctor visits and drug plans. Often, insured members do not realize that their insurance carrier might also include services known as "Value Added Benefits".
Health Insurance Carriers offer these Value Added Services to encourage healthy lifestyles. Healthy lifestyles would yield healthier members, which keep insurance claims down.
Examples of Value Added Benefits Include:
24/7 Nurseline: NurseLine services can help you make smart health care decisions with immediate telephone access to experienced registered nurses.
Vision: some carriers have pre-negotiated discounts for vision care such as eye exams, eyeglasses, & even Lasik eye surgery.
Nutrition and Supplementation: Certain carriers provide discounts or reimbursements for nutritional supplements.
Smoking Cessation: Some Insurance providers may provide discounts on medications, patches, pills, or provide services to help members quit smoking.
Fitness & Health: Members may take advantage of weight management programs such as Weight Watchers™ or Jenny Craig™. Discounts and reimbursements may be available for health club memberships, gym equipment, and even coaching.
Hearing - Certain hearing centers may have pre-negotiated discounts with your insurance carrier for services and products.
Store Discounts - Various retailers may have a pre-negotiated incentive worked out with your insurance company such as baby stores or household goods.
Stress and Alcohol Management - Different services may exist for stress management and alcohol rehabilitation and treatment programs.
Mail Order Rx Discounts - Certain carriers offer additional discounts for mail order prescriptions. This is especially useful for drugs prescribed for the long-term such as heart medicine or cholesterol drugs.
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