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6 Tips to Reduce Your Healthcare Costs
Healthcare costs continue to rise each year and 2022 will be no exception. Experts predict a 6.5% increase in medical expenses alone (not including your premiums). That's why it's important for you to take steps to reduce health costs wherever possible.
Here are six tips for doing so:
Pick an affordable health plan that works for you.
Not all health plans are the same. When deciding on a plan, pick one that meets your budget but also pay attention to deductibles, copay costs, and maximum out of pocket. The details make a difference on what your plan will cost you when using it.
Brush-up on Health Plan Knowledge
Knowing what your health plan does and doesn't cover is critical for reducing your overall spending. Understanding terms such as deductibles, coinsurance and copay can help you better understand your plan options. Watch our video below on insurance lingo.
Take advantage of virtual health options
Telehealth, or virtual visits using your smartphone or computer, are essentially video calls with a doctor. These visits can be great for managing chronic conditions, speaking with a mental health professional and receiving diagnoses for minor ailments.
Stay in network
Do you know your network? Do you have a network? Two great questions that avoid surprises when seeking healthcare. In network providers are always cheaper than providers who are not contracted with your insurance carrier. In some cases, you may not have any coverage with out of network provider
Plan and budget care
At the beginning of the plan year, think about healthcare costs you may have during the plan year. Getting routine or needed health needs taken care of early in the year may let you take advantage of paid-up deductibles or maximum out of pocket limits.
When visiting your doctor, don't be afraid to ask questions. If you require care, ask them if there are comparable procedures or services that are more affordable, while still being effective.
This is information only and is not intended to replace the advice of a medical or insurance professional. 2022 Zywave Inc.