No matter how you get your health insurance - through an employer, from a state exchange, or from a broker such as REGIT - you're paying more for your health care than you have in the past. Use the following helpful hints to save some cash:
#1 - Stay in Your Network
You've heard us say it before, but it bears repeating. Many insurers are shrinking their networks and you have fewer doctors and hospitals to choose from. "The most expensive health care mistake you can make is to go out of your health plan's network," says J. Aube, Senior V.P. at Cigna. The cost difference can be huge. Always check the network before you receive a service. And if you need help finding a provider, call REGIT or your insurance carrier.
#2 - Avoid the Emergency Room If You Can
Sometimes you can't avoid a trip to the emergency room, but if an Urgent Care Center or your doctor's office can handle that sprain or cut, you will definitely save money. The best way to save money on those unexpected medical situations? Find out ahead of time which urgent care and convenient care (such as pharmacy or supermarket) clinics are included in your plan's network.
#3 - Use Preferred Pharmacies
A new trend we're seeing is that health plans are introducing preferred pharmacies. If you use these preferred pharmacies, your prescription will cost less than if you use a regular network pharmacy.
#4 - #10
To get more ideas on how to save on your health care costs, click here to visit our website for the full article.