4 Tips to get the Most out of Your Health Insurance
July 6 • 2023
We all know that healthcare can be expensive, and we often have no idea how much the services cost before we get the bill. But most people don’t know how much time and money you can save when you know how the system works and make wise choices about your care. Here are a few ways to stretch your healthcare dollar.
1. Start with primary care
Unless it’s a true life-threatening emergency, your primary care provider is likely the best option for care. The same services can be hundreds of dollars (or more) less expensive, and higher quality, at a primary care when compared to a hospital or urgent care.
2. Get preventive care
On average, people who regularly see the doctor for preventive care spend less on healthcare than those who don’t. Why? Because health problems are far easier, and less expensive, to treat early.
3. Know your health insurance costs
Health insurance can be complicated, but understanding what you pay for can go a long way. Physicians make recommendations based on what they feel is the best course of action for you. However, your physician doesn’t control how much those services will cost. Pricing is based on what your insurance plan covers and is personalized to you. Most insurance companies try to break down the details of your coverage, but don’t be afraid to give them a call and ask them to further explain co-pays, deductibles, and charges for specific services or prescriptions you commonly use.
4. Use a discount prescription card
Different pharmacies charge vastly different prices for the same medication. Prescription pricing is based on what your plan covers, not what the doctor charges. So take the time to find out where to get your medicine, don’t just go to the closest pharmacy.
We want to make sure you’re informed about potential out-of-pocket charges that may occur during your preventive office visit. While most preventive visits are covered at no cost to you, you may be charged for certain things, such as:
- Discussing new symptoms or health concerns that are discovered during your visit
- Receiving treatment or testing for an existing health condition
- Undergoing procedures such as spirometry, EKGs, or biopsies
- Having labs or radiology tests that are not considered preventive
If you’re unsure about your lab or radiology benefit, we encourage you to refer to your Insurance carrier for benefits and coverage. Our team is here to help you navigate these decisions, starting with a comprehensive and preventive care plan that is designed to keep you healthy.
Now that we’ve discussed how to get the most out of your health insurance we’ve got a challenge for you:
- Create a plan for healthcare costs.
- Learn about your health insurance plan.
- Find a prescription card.
- Ask your primary care provider about putting together a comprehensive, preventive care plan.
If you’re interested in adding Aylo Health as part of your primary care support team check out if we accept your insurance!