affordable health insurance plans" />Purchasing affordable health insurance plans without sacrificing a lot of coverage can be challenging but not impossible. For example, you can buy health insurance through Medicaid or the state marketplace if your household income falls below 138 percent of the federal poverty level. You can also find the best and most affordable coverage with our help at Fast Health Quotes.
Strategies for Saving Money on Healthcare
The cost of healthcare continues to rise because of expensive hospital visits and costly prescriptions. Luckily, there are several ways to save money on healthcare.
- Compare Procedures and Medications
The price of procedures and medication varies from one healthcare provider to another. For medication, compare prices across warehouse clubs and drugstores to get the lowest prices. If possible, go for generic.
When it comes to procedures, ask for the current five-digit billing code, which is consistent across healthcare facilities. You can contact different hospitals to compare the cost of your procedure using the code.
If you find yourself contemplating whether to see your doctor or go to the emergency room, pick your doctor. The emergency room (ER) can be considerably expensive, and you may wait for longer to be seen at the ER than you would at your doctor’s.
- Take Preventative Measures
Get into the habit of healthy and safe living daily. This will save you money down the road. For instance, make your diet healthier, take care of your health, and exercise routinely to avoid many visits to the doctor.
Also, through the Affordable Healthcare Act, you can access free preventative services like vaccines, colonoscopies, an annual wellness visit, and mammograms. Detecting early signs of an illness or disorder can save you a considerable amount of money in the long run.
- Understand your Coverage
A lot of health insurance plans have extras that are not always properly highlighted. For instance, you can find that your plan covers weight loss programs, acupuncture, or chiropractic services. As such, it's best to contact your health insurance provider to ask about the cost of regular check-ups. You might discover the check-ups are fully covered by your plan or low-cost. It’s a good idea to also ensure you select a doctor that is covered by your plan.
- Ask Questions
Do not shy away from questioning everything. As healthcare becomes more expensive, many healthcare providers are willing to negotiate a lower price. Some of the questions you can ask to help you save money are:
- Whether you really need a prescription, test, or procedure.
- Your total out-of-pocket expenses and if you can get a discount if you pay cash.
- If there are higher dosage pills that you could cut in half to help you reduce costs.
- Select the Best Health Insurance Plan
It’s tempting to pick the health plan with the least amount of monthly premiums. However, don’t. To go with the right health insurance plan for you, make a list of your prescriptions and the estimated number of trips you make to your dentist and doctor every year.
Using that list, compare the amount you’ll be spending on the various plans calculating in deductibles and premiums. Remember to compare plans in both the independent and federal marketplace to find the best price and plan for you.
Shop for Affordable Health Insurance Plans
Are you searching for affordable health insurance plans? We can help you find the best plans suited for your individual and family needs. To get started, contact us today at 855-249-4939.
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