5 ways to navigate health care costs and coverage with confidence

April is Financial Literacy Month, a good time to learn how your health plan can support your financial and health goals. Understanding your coverage can be a vital part of your family’s financial planning. Especially since 36% of adults report skipping care due to cost in the last 12 months.

Here are five practical tips to help you be a savvier health care consumer:

1. Consider digital solutions designed to improve your experience
Some health insurers offer tools that help you find network providers more easily, compare treatment options and make more informed decisions about where to get care. AI-powered tools such as chatbots and enhanced provider search may also be available to help you navigate benefits and take the next best step in your health care journey.

2. Compare costs and care options before scheduling care
Just like other major purchases, comparing costs and options ahead of time can help you make informed decisions and potentially save you money. Some health insurers offer plan and provider search tools that can help you understand your choices and expected costs before you book an appointment.

3. Establish a relationship with a primary care provider
Building an ongoing relationship with a primary care provider can help catch potential issues earlier, when treatment may be simpler and less costly. It can also support better outcomes by helping coordinate care over time.

Annual checkups, vaccines and certain screenings may be covered by your health plan at no additional cost when recommended by a network provider. That’s especially important as rates of certain cancers and chronic conditions continue to rise among working-age adults.

4. Don’t forget about financial protection plans
Expenses from an unexpected illness, injury or hospital stays can add up quickly. That’s where supplemental plans can help. This can include options like accident insurance, critical illness insurance or hospital insurance.

Supplemental plans can provide financial peace of mind by offering fixed payments or reimbursements during covered life events. This added layer of protection may help with everyday expenses, medical bills and unexpected costs that can come with time away from work.

A few small steps can make health care easier to navigate. Take a few minutes to review your benefits and contact your health plan and employer with any questions. With the right tools and support, you can understand your coverage, plan for costs and choose care that fits your needs.