Maximizing Your

Benefits Year-Round

St. Luke's Health Plan

January 8, 2024

Practical Tips

Helping you understand your coverage and how to use it.

You’ve got health insurance! Now what? To make the most of your health insurance benefits, it's important to understand your coverage and how to use it throughout the year. Here are some practical tips to help you maximize your health insurance benefits all year long.

Understand Your Coverage

The start of a new plan year is a great time to review your health insurance details to understand the terms, coverage limits and any exclusions. You’ll also want to familiarize yourself with the network of providers covered by your plan to avoid unexpected out-of-pocket expenses. You can use St. Luke’s Health Plan Find a Doctor tool to easily search for in-network doctors and facilities so there’s no surprises when you’re ready to use your coverage.  

Schedule Preventive Services

Take advantage of preventive services like annual check-ups, vaccinations and screenings. Early detection of health issues can lead to more effective and less costly treatments down the road, ultimately saving you money in the long run. With St. Luke’s Health Plam, most preventive care is covered with a $0 copay. Check your plan documents for specific details on covered services.

Know Your Deductible and Out-of-Pocket Maximum

Be aware of your annual deductible and out-of-pocket maximum. Try to plan major medical expenses, like surgeries, when you can meet your deductible or are approaching your out-of-pocket maximum. This way, you can optimize your coverage and minimize out-of-pocket expenses.

Optimize Prescription Medication Costs

Explore generic alternatives for prescription medications and ask your doctor if there are more cost-effective options. With St. Luke’s Health Plan, you also get access to the St. Luke’s Pharmacy Benefits Manager which offers mail order and home delivery services, on top of access to the St. Luke’s Medication Lockers.

Take Advantage of Virtual Care

When you or a family member gets sick or needs care, virtual care can be a convenient and cost-effective alternative to an in-person visit to the doctor’s office. All plans from St. Luke’s Health Plan offer $0 copays for On-Demand Virtual Care. Plus, St. Luke’s Health Plan has partnered with TytoCare to offer eligible members an enhanced virtual care experience with the TytoHome device. You can bring the tools from the doctor’s office to the comfort of your home. Learn more about the TytoHome program.

Keep Track of Expenses

Maintain a record of your health care expenses throughout the year. This includes copays, prescription costs and any out-of-pocket expenses. Having a clear understanding of your health care spending can help you budget effectively and find areas for potential savings. 

Ready, Set, Go!

By understanding your health insurance coverage and strategically planning your health care needs throughout the year, you can maximize your plan and benefits. Stay informed, plan wisely and make the most of your health insurance benefits year-round.