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How do I stay healthy now that I have insurance?

Once you have picked your plan and have health insurance, you can take advantage of what your plan offers, such as free health screenings, annual immunizations, smoking cessation programs, maternity and new baby programs, and more. If you are due for an annual well visit with your Primary Care Physician (PCP) – schedule your appointment. Also be sure to check what other benefits might be available through your plan such as discounted gym memberships, weight loss programs, and fitness programs. For example, if gym discounts are offered, start looking at gyms in your area. You have a variety of options to keep you healthy.

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Glossary

Full Glossary

Actuarial Value (AV)

The percentage of total average costs for covered benefits that a plan will cover. For example, if a plan has an actuarial value of 70%, on average, you would be responsible for 30% of the costs of all covered benefits. However, you could be responsible for a higher or lower percentage of the total costs of covered services for the year, depending on your actual healthcare needs and the terms of your insurance policy.

Annual Limits

A cap on the benefits your insurance company will pay in a year while you're enrolled in a health insurance plan. These caps are sometimes placed on services such as prescriptions or hospitalizations. Annual limits may be placed on the dollar amount of covered services or on the number of visits that will be covered for a particular service. After an annual limit is reached, you must pay all associated healthcare costs for the rest of the year.