Health insurance is something you don’t like to think about because it often conjures up bad thoughts about high costs, finding the right coverage, and things like premiums and deductibles. While health insurance isn’t exactly the ideal image of fun, it is still important that you are paying attention to your plan.

If you’re looking to get more from your plan, you are likely trying to find benefits. Benefits are a good way to get extra mileage out of your coverage, so here are 7 effective strategies to help you get better benefits from your plan.

1. Compare Different Plans

The first thing you can do is to compare how different insurance companies can offer you different benefits. No two health insurance plans are the same, so you need to be vigilant in comparing them to see which works for you. A plan from Manulife is going to be much different from one offered by another broker, so it pays to take your time. Try to compare as many as possible to see if any benefits stand out instead of just picking the first that appeals to you.

2. Consider the Annual Costs

Health insurance is not always cheap, but it also doesn’t have to be expensive. In that regard, you should focus on the annual costs over the monthly costs because the annual costs may help you determine if you are paying too much for the benefits (or lack thereof) from your coverage. Always consider how much you want to pay and what you are willing to do without when it comes to benefits.

3. Combine Different Coverages

Sometimes you can bundle your coverage to allow for the rollover of plans. Health, life, and dental are insurance plans that can be potentially rolled into one plan, but not all insurance companies allow this. When they do, you could be able to get your coverage at a much more affordable rate with the benefits combining so you don’t need to look for multiple plans and feel scatterbrained trying to see which is best and which offers the most impressive benefits.

4. Utilize Your Work Insurance Plan

Most workplaces offer a work health insurance plan, especially if you have been working there for a long time. Some people like to get their own insurance coverage outside of the work plan, but you shouldn’t shrug off how useful the work plan can be.

The first benefit is that it is already picked out for you so they could have done all the heavy lifting for you, but of course, it might not have benefits that are specific to your needs, like medical equipment deductions. Nonetheless, a work insurance plan is not something to turn your nose up at and may be able to offer great benefits in a convenient form.

5. Think About How Much Coverage You Need

When you pick a health insurance plan, you may not need all of the coverage. This means you are paying a lot for things you don’t need. This can either be good or bad, sometimes you are paying extra for the plan when you don’t utilize it all but it has more benefits because it has more deductibles or better premiums, but obviously, it can be bad because you are paying for a lot you may not need. Consider things like your age, health status, family history to consider finding a plan that has benefits that don’t require a lot of spending.

6. Consider How Your Family Status Can Benefit You

Family status is another good way to get benefits from your health insurance plan. If you have dependents in your family that rely on you, you may be entitled to things like a reduction in costs to health services or deductibles on medical expenses. You can also cover children, up until age 18-19 in most cases, so that they can receive benefits as well.

7. Check Out Additional Plan Options

Your existing plan might be good for you now, but you should check out what other offerings your health insurance company has available. Just because you already have a plan with them doesn’t mean you can’t decide to upgrade at some point so do some research into what benefits you can get by upgrading internally with their insurance plans.

It can be stressful thinking about health insurance and it becomes confusing when you start to think about the benefits you can get from it. With a little help, it becomes easier to find ways to maximize your coverage so you are getting more out of it.