Save Money on Health Care
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Instead of getting into all the politics that include health care, there are multiple ways that one can actually save themselves loads of time, money and frustration when dealing with the costs of a healthy life.
Most questions revolve around trust of doctor recommendations, asking if medical tests are one hundred percent necessary or if there is a brand of that medication that is a bit less expensive.
In a world, however, where it seems like getting injured or sick is the end of the world, even if the condition is not life threatening, we have a few tips and tricks to offer you to make the most out of your medical experience, at the least amount of cost to you as possible.
Here are ten pieces of advice to help save you money on health care.
1. Shop Around.
With all the different options available, picking the best and most cost-efficient medication for your budget can dwindle down to being a bit of work. But a few coupon clippings and Google researching will help save you money in the end.
2. Don´t rush to the emergency room. For everything.
This might seem like a no-brainer, but picking the proper clinic or facility for the job needed might save you those over priced costs on emergency visits, etc., when all you really have is a broken pink finger. When you move to a new place, familiarize yourself with your surroundings and all the medical clinics around you. And you can always learn how to heal injuries without medication.
3. Check their work.
It doesn´t hurt to be the annoying kid in class every now and then. Looking over your insurance company statement or bills just to see if they got all the prices right, may save you a $600 mistake or two.
4. Keep your results on record.
Having all your test records and results can help save you extra visits, or interoffice transfers that will cost you and the office money. Also, for people like who have a horrible time remembering, and let´s face it, there are loads of tests that we do on an annual basis anyways, it´s hard to keep track of it all. There´s no point in doing a test twice that you´ve already done this year.
5. When it says “Free”, go for it
There are actually lots of community health fairs available that can offer free screenings. And by free, they usually mean free! Which often means no copays and no bills in the mail. Most of these are required by law, so for once, we have the law working on our side.
6. Ask for help.
Don´t be proud into thinking that you have to pay for all your medical bills on the spot and upfront. Also, don´t think you have to pay them in full! There are many options for financial aid, there are payment plans and there are discounts. Of course, if money really isn´t an issue (not sure why you are reading this, then), then don´t take the money that is there for someone who truly needs it. But in general, there are usually loads of options to help.
7. Use online.
It´s 2017, and not only can we now date, do school and basically buy anything we want all online, we can also sort of, go to the doctor as well. There are some doctors that offer consultations online, whether it is through vídeo chat, messaging chat or on the telephone, there is an option for you, that will VIRTUALLY save you money. This of course doesn´t count for everything, and it could possibly be better to visit your doctor in person, but it is also possible that this is all you need!
8. Take care, BEFORE you get sick.
Prevention is the best money saver there is. Most doctors will stand by the fact that treating a disease will cost you way more in the long run than actually just taking preventative measures.
9. Pick the insurance policy that fits you.
There are so many different plans, just in your state alone. Before you take the plunge in deciding which insurance policy is the one that you need, call the doctors you work with to see which is best for you and if they are covered under that plan. That way, you can choose the plan that saves you money, keeps you happy and keeps your body healthy, all in one.
It is also important that you know what your insurance policy covers. This will also save you a bit of research in the long run and will help you know beforehand what you are dealing with.
10. Be familiar with your rights.
There are multiple rights that you are endowed to. If you know what you are getting yourself into before you go ahead on into an insurance company, will be the silver lining. For instance there are lots of “loopholes”, or things that you can do to take care of depending upon your condition. If you have just been laid off, or are just changing your insurance policy, there are grace periods, and things like that that will help you find a perfect partnership to get to.
There are certain aspects to health insurance and health coverage that should not scare you away. This will be your bread and butter, your go-to, when it comes to dealing with insurance. Health coverage doesn´t always have to be a nightmare experience, and with these tips and tricks, you can make your experience maybe not a pleasant one, but a far less stressful, painful and costly one.