Attention all HSA plan holders!

If you have an HSA, or a Health Savings Account, it’s important to know that you cannot use your HSA money to pay for your health insurance premiums.

We know this is a bummer but paying your premiums with your HSA dollars is a direct violation of IRS guidelines – and we want to save you the hassle of being bombarded with cease-and-desist letters!

There are, however, a list of IRS approved items that you can spend your HSA money on, and we recommend calling your local bank to obtain an updated list.

If you have any questions regarding your HSA account, give Clevenger Insurance a call today at 574-267-2181.

Have you ever experienced the mini heart attack that happens when you receive a letter from your health insurance company telling you a claim was not covered?

The reality is that the claim process has many steps, and sometimes a step gets missed! This misstep can affect whether your claim is covered or denied.

If you receive a claim denial letter from your health insurance company, skip the stress and follow these simple steps:

1. Don’t panic!
2. Call your health insurance company using the number on the back of your ID card
3. Ask the representative why the claim was denied

Once you have more information on the reasoning behind the denial, you can formulate an action plan. If, for whatever reason, you into roadblocks, that’s where Clevenger Insurance comes in!

You can call us at 574-267-2181 and we will act as your advocate to get to the bottom of your denied claim.

Everybody wants gleaming, pearly whites! The only thing is, your health insurance company most likely deems teeth whitener as an exclusion, and an exclusion is something that is NOT covered under your health plan.

Most insurance companies place teeth whitener on their list of exclusions because they consider it to be a cosmetic service, and most cosmetic services are typically excluded from coverage.

We know this is a major bummer… but, if you have an HSA account, we have good news for you!

Teeth whitener may be excluded from your health plan, but it’s included on the list of HSA eligible expenses! This means you can use your HSA money to buy teeth whitening treatments from your dentist and achieve those gleaming, pearly whites you’ve been dreaming about.

If you have any questions about exclusions on your health plan, give Clevenger Insurance a call at 574-267-2182.

When you go to the doctor, or to any healthcare provider’s office, make sure to show them your ID card!

This may seem obvious, but let’s be honest, we all have days where we feel distracted, rushed and out of it and we may forget to show the doctor’s office our ID card.

This is a vital step in making sure your doctor’s visit counts toward your deductible, because without your ID card information, the provider’s office can’t process the claim with your insurance company!

There are a few different ways you can do this. One of them is the more traditional choice of carrying around a hardcopy of your member ID card with you wherever you go.

The other option may be a better choice if you’re someone that is always on the go! Did you know that most health insurance carriers have an app that you can download on your phone?

Yep, it’s true!

This app gives you immediate access to all of your ID cards and even provides your health insurance plan information.

If you are interested in downloading the carrier apps, go to the app store on your phone and type in the name of your insurance carrier!

If you have questions on how to obtain your ID cards, give Clevenger Insurance a call today at 574-267-2181.

Did you know that only 1% of all people who try to quit smoking without support are successful?

That means the remaining 99% of people who try to quit smoking on their own will return to the habit they are trying to break.

But fear not! If you or someone you know is trying to break the habit, we have a resource for you, so you don’t have to walk the journey alone.

The state of Indiana provides a FREE resource called Quit Now Indiana where you’ll receive support in the form of:

• Coaching calls with a trained coach who specializes in helping people quit tobacco
• Texting access with your coach
• Online dashboard that provides you with a milestone-driven online experience to help you track your progress and goals
• Quitting aids such as free nicotine replacement therapy products (patches or gum) if you qualify
• Quit guide which is a book that helps you stick to your personalized quitting plan

If you want access to this free resource, simply to go https://www.quitnowindiana.com/quit to sign up today!

If you have questions about the program or about your health insurance benefits, give Clevenger Insurance a call today at 574-267-2181.