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3 Surprising Things Health Insurance Covers

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Being a full-time employee offers a number of different benefits. You are often offered health insurance benefits to cover you and possibly your loved ones. While most people assume that their health insurance is there just to cover them when they get sick or need to visit the dentist, there is more to it than what you might realize. Unfortunately, many people don't realize all of the different benefits they could be taking advantage of with their premium. To help you better take advantage of your benefits, here are three surprising things you might not realize your insurance policy will cover. 

Gym Memberships

Health insurance companies want their insureds to be healthy and fit. When you are healthy, you aren't likely to file a lot of claims. This means that they are going to keep more money in their pocket. Because of this, many providers are willing to pay for all or part of your gym membership to keep you on the path to a healthy and happy you. It's worth your time to ask if this is an option for you. They might only work with certain gyms, but it could save you money every month if they are willing to pay for your membership.


If you were injured in an accident, suffer from constant pain in your back or you have to go to the chiropractic frequently, your insurance company might be willing to pay for you to see a massage therapist. Even if none of the above apply to you, it is still worth checking into with your provider. Most of the time, an insurance company will foot the bill for a massage if your healthcare provider has written a prescription and deems the service medically necessary.

Hypoallergenic Formula

Children with sensitivities to traditional formulas will often be given a prescription for special formulas to help soothe their tummy. If that is the case, you might be able to get the insurance company to pay for the cost of the formula for you. Even though some insurance companies will give you a hassle about this benefit, it is definitely one to look into. If you are covered, save your receipts and continue filing claims until they reimburse you for it.

Knowing your rights is important to getting your needs met. If you are ever in doubt, talk with your human resources professional (or someone from a service such as Professional Benefit Planners) about the benefits available to you.