6 minutes
Health
Evidence Based
An image of the Author and Top Nutrition Coaching nutritionist, Nicolette
Nicolette Star Maggiolo, RD, LDN

$1,000+ in health insurance perks you're probably not using

Top Nutrition Coaching reviewed preventive care policies and coverage rules from major national insurers to identify the high-value benefits that often go overlooked. These insurance hacks could make a surprising difference in both your health and your wallet.
6 minutes
Health
Evidence Based
An image of the Author and Top Nutrition Coaching nutritionist, Nicolette
Nicolette Star Maggiolo, RD, LDN

$1,000+ in health insurance perks you're probably not using

Top Nutrition Coaching reviewed preventive care policies and coverage rules from major national insurers to identify the high-value benefits that often go overlooked. These insurance hacks could make a surprising difference in both your health and your wallet.
An image of the Author and Top Nutrition Coaching nutritionist, Nicolette
Nicolette Star Maggiolo, RD, LDN

$1,000+ in health insurance perks you're probably not using

Top Nutrition Coaching reviewed preventive care policies and coverage rules from major national insurers to identify the high-value benefits that often go overlooked. These insurance hacks could make a surprising difference in both your health and your wallet.

Kostiantyn Voitenko // Shutterstock

$1,000+ in health insurance perks you're probably not using

In a world where rising health care costs and confusing insurance policies make it hard to know what's actually covered, many Americans are unknowingly leaving hundreds, or even thousands, of dollars in unused benefits on the table.

From smartwatches and wellness incentives to one-on-one counseling with registered dietitians, today's health insurance plans often include far more than annual checkups and urgent care visits. Yet most people never tap into these offerings, largely because they don't realize they exist.

Top Nutrition Coaching reviewed preventive care policies and coverage rules from major national insurers to identify the high-value benefits that often go overlooked. These insurance hacks could make a surprising difference in both your health and your wallet.

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1. You're likely eligible for a fully-covered registered dietitian

As interest in personalized wellness continues to grow, more insurance plans are including virtual access to health professionals as part of their benefits. One of the most valuable and underused offerings is medical nutrition therapy provided by a licensed dietitian. Most plans cover multiple sessions per year when billed as preventive care, and coverage can be even more robust for individuals managing diabetes, heart disease, or obesity.

According to internal data from Top Nutrition Coaching, which provides virtual nutrition counseling, nearly 94% of its customers have their sessions covered by health insurance, saving an average of $487 per year. 

Whether you’re focused on weight management, improving overall nutrition, or addressing specific health concerns, dieticians in these programs serve as partners on your health journey, and can create personalized plans based on your health goals and dietary needs.

3. New parents can get a free electric breast pump through their insurance

Having a baby is expensive, but there's at least one essential item that most new parents don't need to buy out of pocket. Under the Affordable Care Act, insurance plans are required to cover the cost of a personal-use electric breast pump, along with the supplies needed to operate it.

This benefit typically includes the pump itself, which is often valued between $300 and $500, along with accessories such as tubing, bottles, valves, shields, and power adapters. Many insurance plans also provide coverage for lactation counseling and postpartum support, which can add up to several hundred dollars in additional value when paid for out of pocket.

The key is timing. Plans usually allow one breast pump per pregnancy, and many require the request to be made shortly before or after the birth. If you're unsure where to start, services like Babylist Health can help simplify the process by connecting you with insurance-approved breast pump providers and guiding you through what your plan covers.

4. Tired all the time? Your insurance could cover what's actually causing it

Sleep apnea is one of the most common, yet underdiagnosed, health conditions in the U.S. In fact, sleep apnea affects millions of adults across all age groups. Symptoms like snoring, restless sleep, and constant daytime fatigue often go ignored or misattributed. A simple sleep test could reveal the real cause.

Many insurance plans now cover at-home sleep studies, allowing members to skip the sleep lab and use a portable device that monitors breathing, oxygen levels, and other sleep indicators overnight. If the test confirms sleep apnea, coverage typically extends to include a CPAP machine, replacement filters and tubing, and follow-up care.

This benefit can be worth $700-$1,100+, depending on your plan and equipment needs. CPAP machines help keep airways open during sleep, which can dramatically improve energy, focus, and long-term health outcomes. If you've been waking up exhausted or hearing complaints about your snoring, take advantage of this health insurance benefit.

5. You might be missing out on free therapy and wellness apps

Mental health care is no longer the luxury it once was. Many insurance plans today include a range of mental health benefits, from fully covered therapy sessions to heavy discounts on popular mindfulness apps like Headspace or Calm.

In fact, under the Affordable Care Act, mental health and substance use disorder services are considered essential health benefits, meaning most plans must offer them at parity with physical health care. This includes therapy (often virtual), medication management, and support for stress, anxiety, or depression.

Some employers even provide access to employee assistance programs (EAPs), which may include free short-term counseling sessions, stipends for wellness apps, or subscriptions to mental health platforms. If you've been meaning to speak to someone or explore mindfulness practices, your insurance might be the hidden key to getting started—for free.

This story was produced by Top Nutrition Coaching and reviewed and distributed by Stacker.

Written by
An image of the Author and Top Nutrition Coaching nutritionist, Nicolette
Nicolette Star Maggiolo, RD, LDN
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Top Nutrition Coaching’s Annual Heroes’ Legacy Scholarship

Scholarship award: $1000
The Top Nutrition Coaching First-Gen Futures Scholarship is a quarterly recurring scholarship open to all first-generation students whose parents did not receive a four-year bachelor’s degree. The next deadline to apply is October  1, and winners will be announced on October 31.
Learn More
A family outdoors: a boy, a smiling woman, a man in military attire with a toddler, and a grinning young man.

About the first-gen futures scholarship

Scholarship award available for both college and high school students
Being the first in your family to attend college is an inspiring feat, often with its own unique challenges. First-generation students may not have the same guidance in navigating parts of the higher education system as other students, such as the application process, obtaining financial aid, and even what to expect in college itself.

Financial constraints can also be a significant roadblock for such students, which may limit their choices, force them to balance jobs, family responsibilities, and school work all at once, and make the college experience much more stressful.

Despite these struggles, first-generation college students have proven time and again to be extremely resilient, determined, and hard-working. They embody a spirit of ambition and perseverance as they work toward creating the future they want for themselves and their families.

The First-Gen Futures Scholarship aims to recognize and support exceptional students who are overcoming the barriers of being the first in their families to attend college. By providing financial assistance to deserving individuals, we seek to alleviate some financial stress so that these students can focus more on their studies.

Previous Top Nutrition Coaching scholarship winners

The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Mayci H.
Awarded:
$500
On:
October 12, 2022
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Jordan C.
Awarded:
$500
On:
December 20, 2022
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Bethanie S.
Awarded:
$500
On:
December 27, 2022
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Romeo G.
Awarded:
$500
On:
February 8, 2023
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Ian C.
Awarded:
$500
On:
December 28, 2022
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Kristopher W.
Awarded:
$500
On:
December 14, 2022
Scholarship details:
A white icon of a plus sign within a circle, used as a button to expand content.
Amount: $1,000
Winner Announcement Date: October 31
Recurring: Quarterly
Read FAQ
6
Scholarships Awarded
6
Winners
$6,000
Total Awards
Eligibility requirements:
A white icon of a plus sign within a circle, used as a button to expand content.
To qualify for this scholarship, please review the following eligibility criteria carefully. Ensure you meet these requirements prior to submitting your application.
A first-generation college student (meaning neither of their parents has obtained a four-year college degree)
A high school senior, undergraduate, or graduate student
Applicant must be a current U.S. citizen or permanent legal resident
How to Apply:
A white icon of a plus sign within a circle, used as a button to expand content.
You can apply for this scholarship on the Bold.org scholarship platform. Follow the directions and submit your application for the First-Gen Futures Scholarship, along with a short essay answering the following prompts:
Why have you chosen to pursue higher education?
How have you prepared yourself for college as a first-generation student?
Scholarship frequently asked questions:
A white icon of a plus sign within a circle, used as a button to expand content.
When is the scholarship deadline?
The application will be open through October 1.
What is the scholarship prize? 
The scholarship award is $1,000.
When will the winner be chosen and notified?
Prior to the announcement date, we may contact finalists with additional questions about their application. Recipients will be chosen based on the merit of their application. 
How will the scholarship be paid?
The prize check will be sent to the scholarship winner’s college institution in their name and in the name of their institution (depending on the school’s requirements).
Is this a recurring scholarship?
Yes, the First-Gen Futures Scholarship is a quarterly scholarship.
How will my scholarship application be verified?
A high school senior, undergraduate, or graduate student
How can I get in touch with questions?
If you have any questions about this scholarship, please email hello@topnutritioncoaching.com, and we will get back to you as quickly as we can.
How will my application information be used?
Top Nutrition Coaching manages this scholarship with the support of the Bold.org scholarship platform. Bold.org takes student confidentiality and privacy incredibly seriously. Please refer to the application page on Bold.org for full details.

Top Nutrition Coaching’s Annual Heroes’ Legacy Scholarship

Scholarship award: $1000
The Top Nutrition Coaching Annual Hero's Legacy Scholarship is open to any high school senior, undergraduate, or graduate student who is a U.S. citizen or permanent legal resident and the child of at least one parent who has served in the U.S. military. The next deadline to apply is April 1st, 2025, and winners will be announced on May 1st, 2025.
Learn More
A family outdoors: a boy, a smiling woman, a man in military attire with a toddler, and a grinning young man.

About the Annual Hero's Legacy Scholarship

Scholarship award available for both college and high school students
Military families embody resilience, strength, and unwavering support for their loved ones in uniform. There are many overlooked sacrifices they make that should be recognized and rewarded. Military families endure extended deployments, adjust to new environments, and face uncertainty on a frequent basis.

The children of military families often adapt to new schools and environments, embodying the values of adaptability and perseverance, and experience the emotional toll of their loved one being deployed in dangerous situations.

The Heroes' Legacy Scholarship is a tribute to the extraordinary dedication and sacrifice of military families who stand alongside their loved ones in service to our country. Unfortunately, there are many struggles that military families endure while a parent or guardian serves in the armed forces.

In recognition of the burden higher education can place on military families, this scholarship seeks to give back to these dedicated families to honor their sacrifices.

Any high school senior, undergraduate, or graduate student who is a U.S. citizen or permanent legal resident and the child of at least one parent who has served in the U.S. military may apply for this scholarship.

To apply, tell us about your experience as the child of a military parent.

Previous Top Nutrition Coaching scholarship winners

The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Mayci H.
Awarded:
$500
On:
October 12, 2022
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Jordan C.
Awarded:
$500
On:
December 20, 2022
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Bethanie S.
Awarded:
$500
On:
December 27, 2022
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Romeo G.
Awarded:
$500
On:
February 8, 2023
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Ian C.
Awarded:
$500
On:
December 28, 2022
The image features a profile icon of a young Caucasian woman with long blonde hair, styled in loose waves. She is wearing makeup with prominent lipstick and is smiling. She has a badge overlay indicating that she is a scholarship recipient, marked by a medal symbol to denote achievement or honor.
Kristopher W.
Awarded:
$500
On:
December 14, 2022
Scholarship details:
A white icon of a plus sign within a circle, used as a button to expand content.
Amount: $1,000
Winner Announcement Date: May 1st, 2025
Recurring: Quarterly
Read FAQ
6
Scholarships Awarded
6
Winners
$6,000
Total Awards
Eligibility requirements:
A white icon of a plus sign within a circle, used as a button to expand content.
To qualify for this scholarship, please review the following eligibility criteria carefully. Ensure you meet these requirements prior to submitting your application.
Family Background: At least one parent has served in the U.S. military
A high school senior, undergraduate, or graduate student
Applicant must be a current U.S. citizen or permanent legal resident
How to Apply:
A white icon of a plus sign within a circle, used as a button to expand content.
You can apply for this scholarship on the Bold.org scholarship platform. Follow the directions and submit your application for the Heroes’ Legacy Scholarship, along with a short essay answering the following prompt:
Tell us about your experience as the child of a parent in the military.
Scholarship frequently asked questions:
A white icon of a plus sign within a circle, used as a button to expand content.
When is the scholarship deadline?
The application deadline is April 1st, 2025. Winners will be announced on May 1st, 2025.
What is the scholarship prize? 
The scholarship award is $1,000.
When will the winner be chosen and notified?
Your privacy is a top priority on the Bold.org platform, and you can find our privacy policy in full here. You may opt out of communications from Bold.org at any time, and unless we’ve first notified you and gotten your consent, you’ll never receive communication from any third parties related to personal information you give us.
How will the scholarship be paid?
Award checks will be sent to the financial aid office of the winner's academic institution or future academic institution in their name to be applied to their tuition, and in the name of their institution (depending on the school's requirements). If the award is for a qualified educational non-tuition expense, we will work with the winner directly to distribute the award and make sure it goes towards qualified expenses.
Is this a recurring scholarship?
Yes, the Hero's Legacy Scholarship is a  Annual scholarship.
How will my scholarship application be verified?
Before we award the scholarship, the winner will be required to confirm their academic enrollment status. Depending on the circumstances, verification of Student ID and/or their most recent transcript will be required.
How can I get in touch with questions?
If you have any questions about this scholarship, please email hello@topnutritioncoaching.com, and we will get back to you as quickly as we can.
How will my application information be used?
Top Nutrition Coaching manages this scholarship with the support of the Bold.org scholarship platform. Bold.org takes student confidentiality and privacy incredibly seriously. Please refer to the application page on Bold.org for full details.