The Free Money Secret Hiding in Your Health Plan
Blake Terry
?? Health Insurance Expert | Providing Health Insurance Solutions to Self Employed & Small Business Owners |?? Saving Families & Businesses Money on Health Insurance | ?? Schedule a free consultation today!
How to Save Thousands on Healthcare Without Changing Your Insurance Plan
Table of Contents
Chapter 1: The Hidden Costs of What You’re Not Doing
You might think you're managing your health insurance correctly. You pay your premiums, show your card at the doctor’s office, and hope you’re covered when you need care.
But what if I told you that you’re probably leaving hundreds—maybe even thousands—of dollars on the table?
I know this because I’ve seen it happen time and time again.
Real Stories of Wasted Money
?? An independent contractor spent $500 at urgent care—not realizing their plan included free telemedicine. ?? A small business owner forgot to file a supplemental accident claim, leaving a $2,500 payout unclaimed. ?? A retiree didn’t check their insurance provider’s cost estimator tool, overpaying $1,200 for an MRI.
These aren’t rare cases. Most people don’t fully utilize their health insurance benefits because: ? They don’t know they exist. ? They assume they’re difficult to use. ? They think they’ll automatically be applied.
That’s why having an agent you trust is invaluable. A knowledgeable agent isn’t just there to help you pick a plan. They make sure you’re using it properly—so you get the full value of what you’re already paying for.
For example, all of our clients receive a welcome letter (or email) with links to set up their insurance carrier’s online portal, telemedicine services, cost estimator tools, and claim forms for supplemental benefits.
We also provide ongoing support to help navigate claims, find lower-cost options for procedures, and ensure you never miss out on money-saving opportunities hidden in your plan.
The next few chapters will walk you through the most common myths, overlooked benefits, and easy steps to start saving today—and if you ever have questions, you have a team ready to help.
Chapter 2: The Myths That Are Costing You Money
Myth #1: “If I Had Important Benefits, My Insurance Company Would Tell Me.”
Reality: Many benefits require separate enrollment—including telemedicine, wellness programs, and prescription discounts. Your insurance provider may not actively remind you about these perks. That’s why working with an agent ensures you’re set up correctly from day one.
Myth #2: “All In-Network Providers Charge the Same Price.”
Reality: Prices vary dramatically between providers, even within the same network. A knee MRI might cost $1,500 at one imaging center but only $300 at another. Checking your plan’s cost estimator tool (or asking your agent for help) can prevent unnecessary overpayments.
Myth #3: “If I Need to File a Claim, My Insurance Company Will Automatically Pay Me.”
Reality: Accident, critical illness, and hospital indemnity policies require manual claim submission. If you don’t file the paperwork, you won’t receive cash benefits—even if you qualify.
Chapter 3: The Mechanics – How to Unlock Your Hidden Benefits
1. Activate Your Online Insurance Portal
?? Why it saves you money:
? How to do it:
2. Enroll in Free Telemedicine Services
?? Why it saves you money:
? How to do it:
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3. Use Your Cost Estimator Tool Before Scheduling Services
?? Why it saves you money:
? How to do it:
4. File Claims for Accident or Supplemental Policies
?? Why it saves you money:
? How to do it:
Chapter 4: Maintenance – How to Stay on Top of Your Benefits
Even after setting everything up, staying proactive is key.
? Review your benefits annually—some plans change each year. ? Keep a digital folder for medical bills, EOBs, and insurance claims. ? Reach out to your agent before major medical procedures—they can help check for savings.
Chapter 5: Troubleshooting – FAQs
Q: How do I know if I’m fully using my plan’s benefits? A: Your agent is your best resource! A quick call can ensure you’re maximizing every perk available.
Q: How do I access my digital ID card? A: Check your insurance provider’s member portal—or contact your agent for assistance.
Q: I think I overpaid for a service. What should I do? A: Review your Explanation of Benefits (EOB) and call your insurance provider—or ask your agent to help dispute billing errors.
Chapter 6: How to Take Action and Get Expert Help
Now that you know the free money secret hiding in your health plan, what’s next?
?? Take action today: ? Log into your insurance portal and explore your benefits. ? Set up telemedicine and cost estimator tools before you need them. ? If you’ve had an accident or medical event, file your claims now—you might be owed cash.
?? Need expert guidance? That’s where your insurance agent comes in. Whether it’s navigating claims, understanding benefits, or finding the best cost-saving strategies, you don’t have to do it alone.
?? Maximize Your Health Insurance Savings – Without the Stress!
Navigating health insurance and benefits can be confusing—but you don’t have to figure it out alone. Our team specializes in helping self-employed professionals, business owners, and early retirees get the best coverage.
?? Need expert guidance? Let’s chat! Schedule a free consultation today and make sure you’re getting every benefit you deserve.
Blake Terry | Terry Family Insurance
?? Call us for a free benefits review!: 682-268-0520
?? Visit My Website: https://terryfamilyinsurance.com/
?? Schedule a FREE Consultation: https://tidycal.com/blake-terry?
Your health insurance should work for you—let’s make sure it does. ??