How can you combat the rising costs of healthcare? Begin by becoming a more informed consumer. The actual cost of medical services and procedures is staggering. And it’s no secret that each year healthcare costs continue to rise exponentially. Regardless of what medical plan you are enrolled in, learning to practice healthcare consumerism needs to become a natural part of your routine.
Take Great Care of Yourself
Becoming a better health care consumer starts with you. Think about how you take care of your body and mind, and how it affects your healthcare spending. Eating healthy, getting regular exercise, and reducing stress are all very important to your overall health and wellness in the short and long term. Be prepared to take care of yourself in the case of minor illnesses:
Don’t Be Afraid of the Fine Print
Get to know what your health insurance truly covers, so you can make the most out of your spending each year. Once you have these down pat, it can also help you pinpoint billing errors, they do sometimes happen. Some main points to keep in mind:
Choose the Right Provider
Don’t wait until you really need a doctor to choose your primary care physician. Take time when you’re healthy to research providers, and become comfortable with them and their staff. You’ll want to ask:
Get the Most from Your Appointments
At the Pharmacy
Verify if there is a generic available for your prescription, some health plans will automatically prompt the pharmacy to fill generics when available, but not in all cases. Generic drugs contain the same active ingredients as name brands and are subject to the same rigid Federal Drug Administration (FDA) standards for quality, strength and purity.
Shop for Special Testing and Treatments
By adopting a consumer-minded approach to your healthcare, you are more inclined to think through quality, costs, and overall value. Finding the best providers and treatment for the best cost is ultimately the best for you and your wallet.
Employers, want to send this helpful guide to your employees? Download our PDF version below to use as a printout, on your company intranet, or in an educational email. For more help educating your workforce on healthcare costs, contact us today!