An estimated 42 percent of Floridians enjoy the advantages of being covered under their employers’ group health insurance plans. If you’re part of this group, consider yourself lucky. Group health insurance in Florida is typically the most affordable way to purchase quality healthcare. No matter how affordable, however, those premiums still take a piece of your hard-earned paycheck. It’s important to do what you can to maximize your benefit so that you’re getting the most for your money.

The first step is to make sure you understand your coverage. Ask your employer for a Summary Plan Description, or SPD. This document contains the details of your medical plan, including co-pay requirements, out-of-pocket maximums, and prescription benefits. It’s guaranteed to be dull reading, but knowing this information will empower you to make more informed, and therefore better, decisions about your healthcare and the associated costs.

Many Floridians hesitate to ask medical professionals questions about the cost of tests, medications, and procedures. The nationwide changes in healthcare have sparked much conversation about healthcare costs, so doctors now get these questions routinely. It’s okay to ask.

The best long-term strategy to manage your healthcare costs is preventive care. When you have a physical each year, it increases the chances that your doctor will discover medical issues early on, while it’s easier–and cheaper–to treat. If your company offers a free wellness program, participating in that can also help you maintain good health.

Group health insurance in Florida is truly an asset. Be sure to make the most of it. Your body and your wallet will thank you.