How to Get Help from Your Insurance Company to Stay Healthy

Written By Jeannette Werle

Many insurance companies offer wellness programs and health coaching to help their members stay healthy and prevent illnesses. Take these steps to get the help you need from your insurance company.

  1. Check your plan's coverage. Your insurance plan's summary of benefits and coverage (SBC) will list all of the covered benefits under your plan, including any coverage for wellness programs or health coaching. You can also contact your insurance company's customer service department to ask about coverage.

  2. Find a qualified provider. If your insurance plan covers wellness programs or health coaching, you can find a qualified provider by searching your insurance company's website or by asking your doctor or other healthcare provider for a referral.

  3. Get pre-authorization from your insurance company. Once you have found a qualified provider, you will need to get pre-authorization from your insurance company before you can start wellness or coaching programs. This is a process where your insurance company reviews your request for services and determines whether or not they will be covered. To get pre-authorization, you will need to provide your insurance company with information about your medical condition, the services you are seeking, and the provider you want to work with.

  4. Start your wellness or coaching program. Once you have pre-authorization from your insurance company, you can start working with the provider you have chosen. Your insurance company will typically pay a portion of the cost of the services, and you may be responsible for a copay, coinsurance, or deductible.

Here are some additional tips for getting the most out of your insurance company's wellness programs:

  • Be honest with your doctor and other healthcare providers about your lifestyle and health habits. This will help them develop a personalized wellness plan for you.

  • Set realistic goals. Don't try to change too much at once. Start with one or two small changes and gradually add more over time.

  • Find a support system. Tell your friends and family about your wellness goals and ask for their support.

  • Don't give up. Everyone has setbacks from time to time. If you slip up, don't beat yourself up. Just pick yourself up and keep going.

Staying healthy is one of the best things you can do for yourself and your family. By taking advantage of your insurance company's wellness programs, you can get the help you need to achieve your health goals.

Here are some examples of wellness programs or health coaching programs that may be covered by your insurance plan:

  • Weight loss counseling

  • Smoking cessation counseling

  • Nutrition counseling

  • Exercise counseling

  • Stress management counseling

  • Chronic disease management counseling

  • Prenatal care

  • Postpartum care

  • Mental health counseling

If you are unsure whether or not your insurance plan covers a particular program, it is always best to contact your insurance company directly.

Here is a list of 50 prominent insurance companies that pay for health and wellness consulting and health coaching services for their customers:

  • Aetna

  • Anthem

  • Blue Cross Blue Shield

  • Cigna

  • Humana

  • UnitedHealthcare

  • AFLAC

  • Amerigroup

  • Beacon Health Options

  • BlueCare Network

  • Capital Blue Cross

  • CareFirst Blue Cross Blue Shield

  • Centene Corporation

  • CHOICEplus

  • Coventry Health Care

  • Delta Dental

  • Empire BlueCross BlueShield

  • Essence Healthcare

  • Excellus BlueCross BlueShield

  • EyeMed

  • Florida Blue

  • GEHA

  • Gateway Health

  • Health Net

  • Highmark Blue Cross Blue Shield

  • Horizon Blue Cross Blue Shield of New Jersey

  • Independence Blue Cross

  • Kaiser Permanente

  • Medica

  • Molina Healthcare

  • Neighborhood Health Plan of Rhode Island

  • Oscar Health

  • PacificSource Health Plans

  • QualChoice Health

  • Quartz Health Solutions

  • Regence BlueCross BlueShield

  • Scott & White Health Plan

  • Security Health Plan of Wisconsin

  • Simply Healthcare

  • Superior HealthPlan

  • UnitedHealthcare Community & State

  • UnitedHealthcare Medicare

  • UnitedHealthcare Military & Veterans

  • UPMC Health Plan

  • Vantage Health Plan

  • VSP Vision Care

  • WellCare Health Plans

  • Western Health Advantage

  • Wisconsin Physicians Service Insurance Corporation (WPSIC)

Additional insurance companies that may pay for health and wellness consulting and health coaching services, depending on the plan:

  • American Republic Insurance Company

  • Assurant

  • Bankers Life

  • Colonial Life & Accident Insurance Company

  • Genworth

  • Lincoln Financial Group

  • MassMutual

  • MetLife

  • New York Life Insurance Company

  • Northwestern Mutual

  • Principal Financial Group

  • Prudential Financial

  • Transamerica Corporation

It is important to note that coverage for health and wellness consulting and health coaching services can vary depending on the insurance company, the plan type, and the state in which you live. It is always best to contact your insurance company to verify your coverage before scheduling any appointments or receiving any services.

Jeannette Werle
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