Northeast Wisconsin
  • Northeast Wisconsin
  • August 2017
Written by 

Your path to healthy living

Your “path to healthy living” is not only the mission of this magazine; it is also becoming the goal for many health insurance plans as they offer more benefits designed to avoid or reduce your need for expensive medical care.

More health insurance plans are focusing on health by offering benefits for fitness, nutrition and stress-relief that we can use every day. Gym club memberships, cooking classes, and many other health and disease educational program options are being offered at low or no cost to us. These benefit plan options are designed to educate, empower and engage us to help us achieve better health or better manage pre-existing conditions.

The incentives are great.

Mickey Mantle once said, “If I had known I was going to live this long, I would have taken better care of myself.” We are living longer and given new opportunities, we can do more to help ourselves. Our risks to age related diseases like cancer, heart, brain and many others can be reduced by taking action earlier rather than later.

In addition to better health, we can avoid paying higher out-of-pocket costs in the form of higher deductibles, co-insurance and co-pays.

Many HSA plans and Medicare MSA plans offer a third incentive and that is to save money for the future or to use these dollars we need for qualified health expenses that are not covered by our health plan. Dental, vision, over-the-counter medicines and acupuncture are examples of this.

The incentives are great, but there can be more. Just like the adage, “you can lead a horse to water, but you can’t make him drink it.” We cannot be forced to do things if we do not want to, but some plans are doing more to help us improve our health.

These health insurance benefits use the latest health technology that connects us and gives us new health awareness about our health. The best part is when we act on our health and show improvement — we get paid.

The best incentive of all can be our ability to take control of our health and our health care dollars to save or spend on what we need most.

It is a different time in health insurance benefits that put a smile on many faces.

Health insurance has become more complicated and expensive. Remember to always work with a licensed health insurance advisor to guide you through your many options that can save you money and improve your health. 

John Ulness

John Ulness is co-owner of Ulness Health Insurance & Wellness in Appleton. He helps people in Wisconsin understand their health insurance options to control costs and enroll. He can be reached at 1-800-386-0876 or [email protected]

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