Most families think about their health insurance only when they need care — a child comes down with a fever, someone twists an ankle, or a doctor orders a test they weren’t expecting.  But one of the most effective ways to control your healthcare spending is to use the preventive care benefits built into your plan. These services are designed to catch problems early, reduce long term costs, and help you stay healthier throughout the year. [September 2026, 615 word article]