If you have a health insurance plan, make sure you take full advantage of it. All health insurance plans are different and can provide a variety of compensations.

Here are a few ways you may be able to take advantage of your insurance plan:

Checkups: Make sure you schedule and go to every checkup, exam, and cleaning that the plan allows.

Health Savings/Flexible Spending Accounts: Whether you have insurance through your job or you pay privately, participate in a health savings or flexible spending account. This is money from your paycheck that is tax free to use toward out-of-pocket expenses.

Discounts: Some plans offer discounts for health and wellness products and services, like massage sessions, gym memberships, or LASIK surgery.

Education: Does your plan offer classes and seminars on fitness, nutrition, or other health topics?

Kicking habits: Many plans offer coaches, hotlines, support groups, or discounts on products to help you quit smoking.

Disease management: Free counseling, education, and support for people with chronic diseases or mental health issues may be available through some insurances.

Pregnancy: See if your plan offers classes, support groups, or educational materials for mommies-to-be. Some offer these to dads as well.

Screenings and shots: You may not have to pay extra for many vaccinations or important cancer screenings.

Have medicine mailed to you: Generic drugs and mail-order prescriptions can help you save money.

Not all plans have these advantages, but you’re leaving money on the table if you aren’t using these services.