Healthcare these days can be a nightmare. What policy should you choose? How can you save the most money? What is covered? It’s like a maze that almost makes you need a doctor from a headache it causes. But through all the decisions and choices, there are some things that you can do to save.
Whether you may be looking for a new policy or trying to save within your current healthcare system, these tips can help you to save money no matter what your situation.
Work Within Your Network
Make sure you know which doctors, hospitals, clinics, and pharmacies are within your health insurance network. Working within these boundaries is going to save you a lot of money. The difference in using a doctor within your network versus one who may simply accept your insurance can be huge. The same thing is true with pharmacies. Your prescriptions may cost you pennies compared to what they will cost outside your network.
Get Healthy – Take Advantage Of Wellness Plans
Many health plans will reimburse you a portion of a gym or YMCA membership where you can stay active. Your current health plan may even cover programs to help you quit smoking or overcome health issues.
Some healthcare insurance provides fitness and well discounts as well as other things that will allow you to take your health into your own hands and save money too.
Shop For What Is Best For You
Choosing the right health care plan for you and your family is crucial. Paying huge premiums doesn’t always mean the best health insurance but going cheap may not be right either. Look at all the factors. If you have health problems, a high deductible might not be the answer for you. If you are young and in good health, however, you may need fewer options and opt for a high deductible plan and much lower payments.
Avoid Emergency Rooms
If you have a health situation that needs to be addressed but can’t get to your regular doctor, avoid emergency rooms if at all possible. The cost is astronomical in most cases.
Urgent care clinics are covered by most health insurance plans. Many hospitals and clinics have a nurse hotline, and an online doctor visit is even possible now.
Of course, if the situation warrants an emergency room visit, don’t hesitate, but make sure you assess your situation correctly.
Opt For Generic Drugs
When getting your prescriptions filled, ask your pharmacist about generic drugs. Generic drugs cost a fraction of the name brand drugs and are the same. They are FDA tested just like any other drug and had the same ingredients as the name brand drugs and will cost you pennies on the dollar comparatively.
You can also ask your pharmacist if there are any other discounts for your prescription. It doesn’t hurt to ask.
You Are Responsible For You
No matter what your healthcare plan is and how many great things it covers, you are still ultimately responsible for your healthcare. There are things you can do to make sure you are as healthy as possible, which means fewer trips to the doctor.
Being healthy means your body can deal with illnesses like the flu better. Eating right is one of the leading problems for Americans when it comes to health. Things like diabetes can be avoided by making good food choices and avoiding sugary, processed foods. Exercise regularly even if it’s only going for a walk each day. Get plenty of rest. If you smoke then quit, many insurance plans offer help with that. Take time to relax and enjoy spending time with friends and family. Too much stress contributes to heart disease and other health-related issues.
When you do these things, you can save on healthcare. The savings may seem small in some areas, but it all adds up over time. So make wise choices and be proactive when it comes to your health and your healthcare plan.
YOUR TURN: What exercise do you do each day? Let me know in the comments below!
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