One aspect that sets different insurance plans apart from each other is the extras or additional benefits they offer.

These extras can range from basic benefits like dental or vision coverage, to more comprehensive options such as gym memberships or alternative therapy treatments. Reviewing your plan’s extras can help you determine whether or not it meets your specific needs.

Dental Coverage

Dental coverage is a common extra that many people look for in an insurance plan. These benefits can vary greatly between plans, so it’s important to review your coverage in detail.

Some plans may only cover basic cleanings and X-rays, while others may include more extensive treatments such as fillings, root canals, and braces. If you have specific dental needs, make sure to review your plan’s coverage carefully and consider whether or not it provides enough benefits.

Vision Coverage

Just like dental coverage, vision benefits can vary between different insurance plans.

Some plans may offer basic vision exams and glasses or contacts, while others may include more comprehensive options such as LASIK surgery or even reimbursement for designer frames. If you wear glasses or contacts regularly, it’s important to review the vision coverage offered by your insurance plan.

Prescription Drugs

Prescription drug coverage is another important extra to review in your insurance plan. Make sure to check which medications are covered by your plan and what your out-of-pocket costs will be.

Some plans may only cover generic medications, while others may provide coverage for more expensive brand-name drugs as well. If you have regular prescription needs, be sure to review your plan’s drug coverage carefully.

Mental Health Coverage

Mental health coverage is becoming increasingly important in today’s world. If you have mental health concerns or are receiving treatment, make sure to review your plan’s mental health coverage.

Some plans may offer limited coverage, while others may provide more comprehensive benefits such as therapy sessions or prescription medication coverage for mental health conditions.

Alternative Therapy Treatments

Alternative therapy treatments such as acupuncture or chiropractic care are becoming more common and may be included as extras in certain insurance plans.

If you are interested in these alternative treatments, make sure to review your plan’s coverage and consider whether or not it provides enough benefits for your needs.

Gym Memberships

Some insurance plans may also offer gym membership benefits as an extra. While this may be a nice perk, it’s important to review the specifics of the program to ensure it meets your needs.

Some plans may only provide a discount on membership fees, while others may offer free access to certain facilities or programs.

Wellness Programs

Wellness programs are becoming an increasingly common extra offered by insurance plans. These programs may include access to health coaching, nutrition counseling, or weight loss programs.

If you are interested in these types of programs, make sure to review your plan’s benefits carefully and consider whether or not they align with your health goals.

Telehealth Services

Telehealth services are becoming more common, especially as a result of the COVID-19 pandemic. These services allow you to have virtual consultations with healthcare providers, making it more convenient and accessible to receive healthcare services.

Some insurance plans may include telehealth services as an extra benefit, so it’s important to review your plan’s coverage and consider whether or not this service is important to you.

Travel Insurance Benefits

If you travel frequently, it may be worth reviewing your insurance plan’s travel insurance benefits. Some plans may provide coverage for medical emergencies, trip cancellation or interruption, or lost baggage.

Make sure to review the specifics of your plan’s travel insurance benefits to ensure you have the coverage you need when you’re on the road.