A health plan is a year round tool that helps you stay healthy, catch concerns early, and avoid unexpected costs.
Salt Lake City, UT (PRUnderground) June 8th, 2026
A common misconception about health insurance is that it is only needed when something goes wrong. But truthfully, a health plan is a year‑round tool that helps you stay healthy, catch concerns early, and avoid unexpected costs. Using your benefits regularly, even when you feel well, can help prevent future health issues and support long‑term well‑being.
“As we reach the middle of the year, this is a great time for members to check in on their health and their benefits,” said Sylvia Garcia, account manager for individual health plans at Select Health, a wholly owned subsidiary of Intermountain Health. “Taking small steps now like seeing a primary care provider or reviewing your coverage can make a big difference later.”
A midyear check‑in is also a good time to think ahead. If you expect changes later in the year such as a planned procedure, a new medication, or a life change that affects your health needs, reviewing your coverage now can help you prepare.
Planning ahead allows you to make informed choices and avoid last‑minute surprises.
Select Health recommends three important steps members can take to make the most of their health plan for the rest of the year.
- Establish a relationship with a primary care provider and focus on preventive care
Having a primary care provider, or PCP, gives you a trusted partner for your health. A PCP gets to know you, your medical history, and your health goals, which helps guide care over time and identify potential concerns early.
Even when you feel healthy, routine visits with a primary care provider are an important part of preventive care. Preventive care includes regular checkups, screenings, and immunizations that help prevent illness or catch issues early, often before symptoms appear. Most health plans cover preventive care services when members use in‑network providers, meaning these visits are typically available at no additional cost.
“Your primary care provider is often your first stop for health questions,” said Garcia. “They help coordinate your care, manage ongoing conditions, and connect you to the right services when needed.”
Preventive care services may include routine wellness visits, screenings such as cholesterol or blood pressure checks, immunizations for adults and children, and well‑child visits with developmental screenings. Your provider can recommend how often you should be seen based on your age, health history, and individual needs.
Knowing where to go for care is an important part of using your health plan wisely. For routine health concerns, your primary care provider is often the best place to start. They can help address concerns early and guide next steps if additional care is needed.
For urgent but non‑emergency needs, options like urgent care or virtual visits may be available through your health plan. Choosing the right level of care can save time, reduce stress, and help manage costs.
When reviewing a health plan, it is also important to understand which doctors, clinics, and pharmacies are considered in‑network. Using in‑network providers typically helps keep costs lower and makes it easier to understand what services are covered.
Members can find in‑network providers by logging in to their health plan account or contacting member services for help.
- Maximize wellness benefits and rewards included in your health plan
In addition to medical and prescription coverage, many health plans include wellness benefits designed to support healthy habits. These benefits may include wellness programs, activity‑based rewards, or incentives for making healthy lifestyle choices.
“Many members are surprised to learn their health plan rewards them for staying active and taking care of their health,” said Garcia. “These programs turn everyday activities into added value.”
Members are encouraged to review their health plan details to see what wellness benefits are available and take advantage of them before the end of the year.
Many health plans have added benefits and extras that individuals either don’t know about or forget to use. Taking advantage of items such as wellness benefits wrapped into your health plan can make a huge difference for individuals and families.
- Use your prescription drug coverage and explore available savings
Prescription medications can add up quickly, but many members may not realize their health plan includes tools to help lower costs. Taking time to review prescription benefits midyear can help members find savings and avoid unexpected expenses.
Select Health has benefits to help members identify lower‑cost options for their medications. Through Rx Savings Solutions, members can compare prices at participating pharmacies and see potential lower‑cost alternatives that may work just as effectively as their current prescriptions.
Select Health also offers access to Mark Cuban Cost Plus Drugs, giving members another option for purchasing many commonly used medications at potentially lower prices than traditional pharmacy locations.
Members can review their formulary, the list of medications covered by their plan, and explore savings options by logging in to their Select Health member account.
“Understanding your prescription benefits and available savings tools can make a meaningful difference for individuals and families,” said Garcia.
Review your health plan and reach out if you have questions
Understanding your health plan is just as important as using it. Taking time to review your benefits helps you know what services are covered, where to go for care, and what costs to expect.
If something is unclear, reaching out to member services is a smart step. Asking questions early can help prevent confusion, delays in care, or unexpected bills and can give you confidence that you are using your coverage the right way.
Your health insurance is there to support you throughout the year, from preventive care and wellness programs to prescription coverage and unexpected needs. By checking in now and taking a few proactive steps, members can make the most of their health plan for the rest of the year.
For more information about Intermountain Select Health plans, benefits, or available resources, visit selecthealth.org or call 1‑855‑442‑0220.
About Intermountain Health
Headquartered in Utah with locations in six states and additional operations across the western U.S., Intermountain Health is a nonprofit system of 34 hospitals, approximately 400 clinics, medical groups with some 4,600 employed physicians and advanced care providers, a nonprofit health plan called Select Health with more than one million members, and other health services. Helping people live the healthiest lives possible, Intermountain is committed to improving community health and is widely recognized as a leader in transforming healthcare by using evidence-based best practices to consistently deliver high-quality outcomes at sustainable costs. For up-to-date information and announcements, please see the Intermountain Health newsroom at https://news.intermountainhealth.org/. For more information, see intermountainhealth.org/ or call 801-442-2000.
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