How to save money on Health Care
Health care is real expensive even when you have insurance.
Last few years, research shows that consumers have to pay a higher percentage of medical costs so it is become important to learn how to negotiate prices before medical treatment. You must get a discount on medicines and to take control over family medical bills.
Following are some ways to save money on health insurance without health harm:
Check bills and insurance company errors:
More than 50 percent of people does not check their bills, a mistake in money can mean to your entire income, you must double check your bills and insurance and vigilant in explanations of benefits. You must keep a record of whom you talk and when, because even calls are recorded. This may help you at the time of need. Other common errors are like a mistake in the account number, claims with incomplete information.
Get all copies of your medical test and records:
Try to bring all of your medical records and test reports along you at the time of visit to the doctor; this may decrease the number of tests and your appointment to the clinic. If you have tested recently then doesn’t need to be tested again in most cases, and in this way, the doctor recommends you medicines in your first visit rather than needing of another call after test results.
Join Discount Club:
You must look for the dental club, the people who are members of club enjoyed almost 60 percent discount, and you just have to pay a monthly membership and after that need to pay at the time of service. Simply by paying membership fee you can enjoy all sorts of benefits including discount group health insurance.
Get a bonus with health care incentives:
Always check if your employer is offering any incentives. This is a great way to save money, you must take advantage of free screenings, and every community has health fairs that offer a free screening of diabetes, Blood pressure, and many more diseases.
Consider online video consultation:
Today internet has widely used in the world; some doctors are also taking advantage of this. Some physicians offer email session and also some companies offer video consultation for little money, some companies even offer free telephone hotlines for ease of customer to decide whether he needs an urgent care visit or not.
Pick the right facility:
If your condition is not life taking, then don’t go to emergency rooms. A cough and injury may better treat in store or urgent care at lower cost, so you must make the right choice when you are ill. You must ask for medical rates, you ask your doctor whether the drug is available as generic or not. The best cost savings when people use generic brands.
Ask if recommended service is necessary:
Don’t afraid to ask questions, you must ask your doctor about services he is recommending, including room stays, lab test, and medicines, if you are worried about cost then you must ask doctor if test is necessary or room stays or you could do at later time, this may happen if you ask doctor several questions and this may save your money.