Your employee benefits are more than just a paycheck add-on, they’re a valuable part of your total compensation. Many people use their health insurance but overlook other benefits that could save them money and improve their well-being.
Here are a few ways to make the most of what’s available to you.
1. Review Your Benefits Guide
It’s easy to forget what’s included, especially if you’ve been with your employer for a while. Take a few minutes to review your benefits guide each year, especially during open enrollment. Each insurance carrier offers different benefits, so it’s important to know exactly what your plan covers. You can usually find this information on your insurance portal, by asking your insurance advisor, or through your HR department.
2. Use Preventive Health Services
Most health plans cover preventive services — like annual checkups, vaccinations, and screenings — at no cost to you, when done with an in-network provider. Preventive care can help catch health issues early and avoid bigger problems later.
3. Take Advantage of Wellness Programs
From gym membership discounts to smoking cessation programs, wellness incentives can help you improve your health and save money at the same time.
4. Don’t Overlook Mental Health Resources
Many plans now offer free or reduced-cost counseling sessions, employee assistance programs (EAPs), and stress management tools. Your mental health is just as important as your physical health.
5. Explore Additional Perks
Some employers offer tuition reimbursement, legal assistance, or even pet insurance. These extras can provide significant value over time.
Why This Matters
The more you know about your benefits, the more you can use them to your advantage — and the less you’ll spend out-of-pocket.
Want to learn more about maximizing your benefits or finding the right coverage? Contact Professional Insurance Programs at 800-637-4676 or info@profinsprog.com.