Our health care system provides some of the best health care in the world. However, ensuring you receive the best care at the most affordable cost can be a challenge. We break down the top five ways to get the best care from your health insurance provider.
#1 – Read your plan benefits: Reading insurance contracts may easily be the fastest way to put you to sleep. However, before seeking care, make sure you understand your plan top to bottom. Knowing what is and is not covered, along with how much your plan will pick up, may help determine how and who you seek care from.
#2 – Review your explanation of benefits: More reading but making sure your care has been paid for properly immediately after receiving care will prevent a headache later. The longer time passes between care received and disputing a discrepancy, the more difficulty you may have in getting a favorable resolution.
#3 – Take any assessments offered: Many health insurance policies offer free services, including health assessments, eye exams, and other check-ups. Not only are many of these services free of charge, but they can help identify any medical issues before they become serious. Not only will this save money in the long run, but you could also prevent life altering medical conditions from arising.
#4 – Use nurse lines or virtual visits: Today’s technology has transformed how medical care is being delivered. Not only are nursing lines and virtual visits much more convenient, but the cost to your insurance provider is also substantially lower. The result is lower costs to you for the same service you would otherwise receive in person.
#5 – Use emergency rooms only for emergencies: A major shift in the medical care feel is the expansion of urgent care and walk-in clinics. With lower operating costs than a hospital emergency room, your care will come at a much lower cost. Additionally, you are more likely to be seen sooner as emergency rooms commonly seek to help true emergency patients before non-emergency medical issues.
If you are looking to get the most out of our health insurance plan, or would like to explore your options, contact our office today for a complete review.