Rising national healthcare costs create a difficult situation for families to keep themselves healthy while adhering to a budget. There are numerous ways that families can save on their healthcare spending costs.
Reevaluate Your Health Insurance Package
It is important for families to choose the best healthcare plan that meets their unique needs and budgets. This will require families to reflect on their average healthcare needs annually. Calculate the amount of money that you would spend in an average year on doctors visits, dental cleanings, and other regular services, including premiums and deductibles.
After calculating your needs, examine each healthcare plan that is available carefully to evaluate the best plan for your budget. Plans with higher premiums often include lower deductibles and copays.
Health Savings Accounts
Health savings accounts (HAS) are an easy way for families to save money on healthcare costs and have the money for services available when they need it. This is pretax money that is taken out of your paycheck and stored in an account for healthcare expenses.
Government Subsidies
You may be eligible for premium tax credit or cost sharing subsidies depending on your financial situation. To find out if you qualify, visit the Health Insurance Marketplace at Healthcare.gov.
File Appeals
Oftentimes, insurance companies will try to deny services or medication coverage. Do not take no for an answer from the insurance company. File an appeal. This will require them to review your case and has the potential to be approved with the help of your medical professionals.
Review All Medical Bills
Be sure to check all medical bills for accuracy before paying them. There are numerous instances of accidental and sometimes intentional billing mistakes that can cost patients thousands more than they owe.
Prevention
The best way to cut costs on healthcare is to practice preventive measures that can save money in the long run.
Preventive Measures Include:
- Regular Checkups
- Vaccinations
- Handwashing
You should also keep your eye open for discounts at pharmacies, such as CVS ExtraCare incentive program.
Utilize Urgent Care Centers
Urgent Care Centers offer patients with immediate medical care and services on a walk-in basis. This is a wise choice for families that saves time and money when they cannot get into their primary physician. Urgent Care offers a wide range of preventative, diagnostic, and treatment services for non-life threatening conditions and costs the same as a copay for a medical specialist.
Urgent Care Provides:
- Treatment for Minor Injuries, Including Lacerations, Burns, Etc.
- Treatment for Minor Illnesses, Viral, Bacterial, Etc.
- Diagnostic Services
- Preventative Services, Including Vaccinations
Urgent Care also provides same-day rapid testing results for COVID-19. Visit Urgent Care online to learn more about their extensive list of services.
Stop In Urgent Care Today
Save time, money, and protect your family’s health. Stop in your local Urgent Care Center next time that you or a family member needs non-life threatening medical care.
