Smart tips to help you save money and get the care you deserve

Health insurance is more than just a card in your wallet—it’s a tool that, when used wisely, can protect your finances and support your well-being. The truth is, most people don’t take advantage of everything their plan offers. They pay their premiums but miss out on benefits, discounts, and programs they’re already entitled to.

At GetErDone Insurance, we help people every day learn how to maximize their health insurance—whether it’s a private plan, ACA coverage, or an employer group policy. In this article, I’ll share seven simple and effective ways to stretch your benefits and cut down on unnecessary costs.

Before we dive in, don’t forget to visit www.geterdonehealth.com and subscribe for more health insurance insights. You can also connect with me on Facebook at www.facebook.com/devin.mchazlett for weekly tips and updates.

1. A digital footprint has never been more important: Use your insurance provider’s online portal or app

Most people don’t realize their health insurance company provides digital tools that make life easier and help save money.

• Track claims, monitor deductible progress, and quickly find in-network providers.

• Many apps let you compare prescription prices, book virtual visits, or even chat with a nurse 24/7.

• These resources help prevent surprise bills and catch issues early.

💡 Make it a habit to log into your portal at least once a month. It’s a small step that can create big savings over time.

2. Prevention pays off: Take full advantage of preventive services

One of the most valuable—and often overlooked—parts of your plan is free preventive care. Most private and ACA-compliant plans include it.

• Screenings like mammograms, colonoscopies, flu shots, and cholesterol checks are usually covered 100%.

• Many policies now include preventive mental health screenings and wellness visits.

• These services catch problems before they turn into costly medical issues.

Remember: use it or lose it—preventive care doesn’t roll over. Schedule those annual check-ups every year.

3. A second opinion can save you stress and money: Know when and how to use telehealth

Telehealth is no longer just a pandemic convenience—it’s now a core benefit with many insurance carriers.

• Use telehealth for colds, infections, rashes, or follow-ups.

• Providers typically cover virtual visits at little to no cost.

• It’s one of the easiest ways to avoid expensive ER or urgent care trips.

If your plan includes telemedicine, it’s a fast, cost-effective option you should always consider first.

4. Small steps, big impact: Enroll in wellness programs and incentives

Did you know your insurance company might reward you for getting

healthy?

• Earn premium discounts or gift cards for logging steps, completing an annual physical, or getting a flu shot.

• Some plans offer free or discounted gym memberships, nutrition counseling, or smoking cessation support.

• Many also partner with fitness apps and wellness programs at no extra cost.

This is money already built into your plan—but most people never claim it. At GetErDone Insurance, I’ll show you how to take full advantage of these perks.

5. The network makes the difference: Always stay in-network when possible

One of the fastest ways to drain your insurance budget is by accidentally visiting an out-of-network provider.

• Always use your portal or app to check network status before booking.

• When in doubt, call the provider’s office to confirm.

• Some carriers even have “tiered” networks—choosing preferred partners lowers your copays.

Taking a couple minutes to double-check can save you hundreds or even thousands.

6. Paperwork matters: Understand your Explanation of Benefits (EOB)

Your Explanation of Benefits (EOB) isn’t a bill—it’s your key to understanding what your insurance actually paid.

• It shows what was billed, what insurance covered, and what’s left to you.

• Errors happen more often than you’d think. Reviewing EOBs helps you spot mistakes or duplicate charges.

• Set up email alerts for new EOBs so you can check them right away.

Keeping track of your EOBs can prevent overpaying and make appeals easier if disputes arise.

7. Personalized guidance makes a difference: Work with a health insurance advisor

The biggest secret to getting the most out of your insurance is simple: work with an advisor who knows the system.

At GetErDone Insurance, I help clients:

• Compare benefits and uncover hidden savings.

• Switch providers, file claims, and resolve disputes.

• Get clear, personal advice without the confusion of reading fine print alone.

You don’t have to guess your way through health coverage. I make sure you’re not just covered—but confident.

Your health insurance is a tool, not a burden. When used correctly, it gives you access to better care, lowers your out-of-pocket costs, and supports your long-term health. But it requires being proactive: review your plan, use your benefits, and don’t leave free resources on the table.

At GetErDone Insurance, I specialize in helping individuals, families, and small business owners maximize their private health insurance. Whether you need a plan review, claims support, or guidance through open enrollment—I’m here to help every step of the way.

👉 Want more smart tips like these?

• Subscribe at

• Follow me on Facebook: www.facebook.com/devin.mchazlett

• Or book a free consultation call today and start getting the coverage—and confidence—you deserve.