Lofty health insurance premiums pose a challenge for millions of qualified policy holders around the country. Contrary to what some may believe, however, you don’t have to resign to either leaving the country or paying a fortune. The following tips can all make it easier to save much more money on your health care and health insurance than you may have known was possible.
Never forget to request copies of your medical records
You can start saving money as soon as you go in for a consultation with a new healthcare provider. No matter what kind of treatment or procedure it is that you’re interested in consulted for, having all of your important past medical records on file will let the healthcare provider see whatever tests you’ve already had done in the past; this will ensure that any tests you’ve already had done don’t get unnecessarily repeated, saving you both time and avoidable costs in the process.
See what your options are for lowering the cost of any itemized bills
After getting any quote for a treatment or procedure, you’re definitely going to want to make a point of getting that bill itemized. Have every single aspect of the full cost broken down into a detailed list of all the he individual components, even if they may seem minor. Once you’ve gotten the bill broken down to the basic items, you’ll have more leverage in getting a discount or payment plan for the bill approved.
Have a healthy lifestyle and take the medications that you’re prescribed
It isn’t necessary to wait until you’ve set foot into a clinic to start saving money on your health care. One of the simplest ways to keep from paying more than you’d like is to try your best to stick to healthy habits. Get adequate sleep whenever possible, exercise at least semi-regularly, stay hydrated, and try to cover your nutritional bases.
Don’t neglect to take proper doses of all prescribed medications so that you’re spared the avoidable, potentially expensive consequences of skipping them.
Explore all of your options for a facility before deciding on one
One of the most expensive mistakes that people with non-life threatening conditions make is to head straight to the ER to get examined. Even if the ER might be able to provide the answer that you’re after, it will most likely be far more expensive than what you’d have to pay for an alternative facility. Do a little bit of preliminary recon to figure out exactly what facilities offer the best rates for what conditions.
Ask if you could get a discount by paying in cash
A little-known fact about saving money on health care that is that you can sometimes get a discount just for paying in cash. However, chances are that the clinic won’t go out of their way to let you know that saving money by paying in cash is an option that you can pursue; meet them halfway by making this inquiry proactively.
Understand every single nuance of your health insurance policy
One of the most common ways that people wind up overpaying for health insurance is by failing to account for every single term of their policy in the very first place. Before considering any health care policy, make sure that you’ve examined every single nuance, detail, and exception in the fine print. Though it may be tedious in the beginning, you’ll find that it’s far better to deal with the tedium of reading known terms for free than having to pay for unknown terms in the future.
Take advantage of opportunities for a complimentary testing
Every state in the nation has occasional opportunities to get screened for various conditions or diseases without needing to pay a free. If you find that a complimentary screening is being offered in your area, don’t overlook the opportunity to take advantage of the opportunity. With an insurance plan that accredited by the Affordable Care Act, you’ll have access to even more complimentary testing opportunities.
Request all necessary prices upfront
The earlier that you’re able to see all of the costs of any procedure, treatment, or consultation, the better of a position you’ll be to make a well-informed decision on the best options to choose. Call clinics in advance and ask about just how much a visit to their office will cost you, and most will be perfectly willing to accommodate your request for more information.
Don’t just settle on buying the very first medication that you find
Just as it’s a good decision to weigh your options on possible clinics to get a consultation from, you’ll also want to stay conscious of all your possible choices when it comes to proposed medications. With just a quick search online, you can find and compare the different prices of various medications offered by different clinics in your area.
Some pharmacies may very well charge twice as much for a medication as another pharmacy less than a half-hour drive away; the only way to know is to do your research in advance.
Scrutinize all of your bills with a critical eye
Ideally, the bill that you receive for any treatment or procedure should be completely free of any inaccuracies; unfortunately, this isn’t always the case. Many people have paid more more money for procedures that were inflated in cost by simple errors in the billing. Make sure that you read your bill closely and confirm that every aspect of it is perfectly free of errors. You’ll save much more on health care when you aren’t paying for things that weren’t done.
Saving on health insurance and health care is a matter of asking the right questions. Whenever there is any room for more details, do what you can to get answers. As long as you stay proactive about exploring your options, openly ask for financial accommodations, critically examine the fine print of every document, and mind your preventative health habits, you’ll be a good position to avoid paying more for health care and health insurance than you need to.
See also: Compare Health Insurance Quotes