According to HealthCare.gov, an HSA, or a Health Savings Account, is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. If you have an HSA plan, then you can use your untaxed dollars to contribute to your deductibles, copayments, coinsurance, and other expenses that will help to lower your overall healthcare costs.

Aside from doctor’s appointments and ER visits, did you know that there is a whole list of things that you can spend your HSA money on?

That’s right! There’s a curated list that comes out each year that includes a plethora of HSA eligible expenses.

Some of the new eligible expenses for 2022 include:

• Acne medication
• Thermometers
• COVID tests
• Allergy medication
• Eye drops

Just go to https://www.goodrx.com/insurance/fsa-hsa/hsa-eligible-expenses-2022 to check out that list today!

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

Are you tired of hearing about COVID yet?

If so, we understand! But, as the virus is unfortunately still alive and active, we want to make sure we’re keeping you updated on all things COVID when it comes to your health insurance.

The state of Indiana just announced that all households are eligible for up to 4 free COVID rapid tests!

Want to know how to access your free test?

Simply go to https://www.covidtests.gov/, enter your name and address and then the test will be shipped to you free of charge within 10-12 business days.

It’s really that easy!

If you have any questions regarding COVID and your health insurance, please give Clevenger Insurance a call today at 574-267-2181.

Braces aren’t fun for anyone, especially when it comes to paying for them!

Your dental plan may not cover orthodontia, so it’s always a good idea to check with your carrier to see what the policy will cover beforehand.

If your dental policy does cover orthodontia, be warned that there is typically a lifetime maximum of what the insurance company will pay. That amount is usually around the $1,000 range.

Whether your dental policy includes orthodontia coverage or not, if you have an HSA, you can use your HSA money to help fund the braces! Unlike your health insurance company, there is no limit to how much HSA money you can put towards braces.

Sometimes, dental policies can be hard to understand and navigate. So, if you have any questions about your dental policy, give Clevenger Insurance a call today at 574-267-2181.

We are your insurance agents, the #insurancenerds, you can call when a health claim goes sideways, or when the doctor’s office is giving you a hard time about your health insurance coverage.

But what happens when your agent is out of the office? Or it’s a holiday and the insurance agency is closed for a couple of days, but you still need assistance?

Every health insurance carrier has a 1-800 number that you can call during business hours, at any time throughout the week.

That phone number can be found on the back of your health insurance ID card.

We’re all familiar with how 1-800 numbers work though, and sometimes it can be hard to connect with someone right away. Before you call, check out these tips on some of the best times to call a 1-800 number:

• Statistically, Wednesdays and Thursdays are the best days to call to get through to someone faster
• Mondays are the worst time to call and are statistically the busiest!
• If you can, call first thing in the morning, or at least before noon
• If there’s an option to have them hold your place in line and call you back, we recommend you take advantage of that so you’re not wasting your time on hold!

If you have any other questions regarding your health insurance coverage, or need the 1-800 number for your insurance carrier, give Clevenger Insurance a call today!

Have you ever made an appointment with your doctor only to find upon arrival that your appointment is actually with the physician’s assistant instead? In a post-COVID world, this is especially common as the number of patients needing to be seen far outweighs the number of doctors!

This is a good thing because it means you get to be seen in a timely manner despite your primary care physician’s hectic schedule. As your agents though, we want to issue one word of caution when it comes to your insurance and physician’s assistants…

Your physician’s assistant may be OUT OF NETWORK!

Yep, that’s right! Just because your primary care doctor is in network, doesn’t necessarily mean that the physician’s assistance is in network.

So, when scheduling your next doctor’s appointment, be sure to confirm with the receptionist who your appointment is with and then double check to make sure your doctor’s PA is in your network.

You can check for in network providers by going to your carrier’s website, calling the number on the back of your ID card, or by giving Clevenger Insurance a call at 574-267-2181.