InsuranceActs

Below are tips on how to save money on your health insurance:

Select Plan That Fits You

When selecting a health plan; base your selection on your needs. Go over your average number of doctor visits per year and prescriptions. Compare what you would pay over a year for health services, based on that you can choose right plan with appropriate deductible and reasonable monthly premium.

Benefit From Extras

Many health plans offer valuable services and discounts to their members. Here are some examples that can be offered to you along with you health plan: nurses on call 24/7, discounts on gym memberships, massage treatments, and weight-loss programs.

Flex Your Spending

Some employers offer flexible spending account (FSA), which is tax-sheltered and can be used to pay for out-of-pocket medical costs such as office and prescription co-pays.

Read Bills Carefully

Some doctor’s or hospital’s bills may include mistakes that end up costing you higher payments. Read your bills, statements and benefits booklet carefully to make sure your plan is paying all it should and correct services are on the bill. If you find an error, call or send a letter to your health provider.

Always Have a Back up Plan

If you or your spouse has to wait for new health insurance to start, ask whether you can extend your policy from your old employer or buy a short-term insurance plan so you are not going to be without coverage at any time. Short term policies are fairly inexpensive and can usually start within a day or two.

Make Sure Your Doctor is in the Network

When making an appointment, make sure that your doctor is in your insurance plan’s network. Ask to see in-network doctors when you go to the hospital. Also, if you need to see a doctor when you are out of town, call your insurance provider’s toll-free phone number to find out the best way and place to get services that will be covered under your network.

Be Upfront About Your Finances

If you have high deductible or have money problems; don’t be embarrassed to tell your doctor about it and ask for less costly treatment options or even to lower charges and fees any possible way.

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