I speak from experience when I say I know how expensive anything medical related can be.
Choosing health insurance every year is a task in itself but you really do not know your coverage until it is time to use it.
Having 3 surgeries in 3 months I have learned some ins and outs of what my health insurance covers and what it does not.
I have also learned some ways keep my medical bills down and how to save next year.
Deductible
Research your deductible and what it covers before you need to use it.
If you are like me and have a large deductible then you have a ways to go before your medications and doctors visits are cheaper or at no cost.
When searching for a medical plan it is wise to weigh out the pros and cons of having a higher deductible with a lower payment or having a higher payment with a lower deductible.
Prescription Savings
Prescription savings plans are not just for the retired anymore.
Shop for your medications.
I have chosen a free plan that allows me to search local pharmacies and see their rates.
Get the medication name, dosage, and any other pertinent information from your doctor to look online for prices or to call pharmacies.
When talking to a pharmacist be prepared and ask if there are any suggested savings.
Most will also suggest calling or going online to the manufacturer’s website for coupons or financial help.
Online pharmacies
There are many online Independent Pharmacies now with great prices.
With an online pharmacy be sure to factor in delivery time with your medications.
There are also some health plan sponsored pharmacies that will deliver your medications to your door for no additional fee in up to 3-month increments.
This service is something to ask your insurance about.
Doctors and Hospital Visits
File for financial assistance with large institutions such hospitals, clinics, or large practices.
Some small clinics may even provide financial assistance or payment plans. What does it hurt? The worst they can say is NO, right?
