The key to getting the most benefit from your health

insurance policy is knowing your policy coverage.

Many people don’t actually read the policy for the

policy plan book; they may not be aware that the

policy may pay 100% of certain procedures, like annual

physicals, mammograms, flu shots or certain labs

tests.

The policy plan book will outline for you what

procedures are not subject to the deductible or co-pay

(your out-of-pocket expense).

Some insurance companies have shifted their emphasis

from health insurance to health improvement and

maintenance and will pay for the cost of gym

membership, nutritional counseling or plans to …