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 stop smoking. If you were trying to lose weight and knew that you could get these services at no cost, wouldn’t you take advantage of them? If you wanted to quit smoking, wouldn’t it be beneficial to know that you could get the patch for free? It is very wise to know what services are available to you through your insurance company, and you will only know if you take the time to read through your policy. Health insurance is an expensive item; take advantage of every aspect of it that you can, not only for yourself but for the members of your family. By taking full advantage of the free benefits of your health insurance policy, you will be healthier and possibly require fewer visits to your doctor.