New Year, A New Look

The start of the year can also serve as a simple reminder to review all that’s new with your medical insurance, as deductibles reset. There is always a bit of a learning curve to catch up on the details of what changed from the previous year. If an emergency or illness occurs in the first couple of months, it can be a scramble to ensure all new insurance cards and paperwork are in hand before walking into the urgent care.

As you prepare to make the most of your healthcare, here are a few basic tips to save you headaches and paperwork in 2026.

• Make sure each family member has an insurance card for both unexpected and scheduled doctor’s visits.
• Review your insurance plan to avoid unexpected out-of-pocket costs.
• Make the most of your benefits.

If your insurance card expired last year, you should have received a replacement by mail. If not, most insurance companies offer online access to print new cards with updated information, or you can request a new one by phone.

This year, higher premiums and rising medical costs should prompt you to proactively review your specific plan details to confirm in-network clinics, doctors, hospitals, and ambulance services. This will help you avoid any unexpected fees.

If you are eligible for over-the-counter benefits, such as a spending card for pain relievers, vitamins, or other essentials, check your plan’s documents to see what is available and how to use it. It is mid-February, so we’re halfway through the first quarter. Don’t miss out on benefits that can save you money.

If you have questions or need to secure medical insurance, reach out to your Insurance of the Ozarks agent to make the most of your insurance this year. We are here to help you at 417-725-1131, or you can visit the website at https://www.igotozarks.com.