With health care costs increasing for employees as well as employers, we thought it would be helpful to put together a list of ways we can all work together to control our costs as best as possible. Some of these may be options you have never considered.
1. Always use “in-network” providers, whenever possible.
Many times a simple search on your provider’s website can save employees significant money by selecting an in-network provider. An in-network provider is one who is contracted with your health insurance company to provider services to plan members at “pre-negotiated” rates. In general, if you visit an in-network provider, you will get your health care at a lower price.
2. Ask the right questions
Asking your doctor questions can help you decide what treatment plan is best for both your health AND your wallet. Some useful questions to ask your doctor include the following:
- Why is this treatment necessary?
- How much will my treatment cost?
- Can I be treated another way that is equally effective but less costly?
3. Keep drug costs down.
Being a wise health care consumer, you may be able to cut your prescription drug costs by as much as 90%! Strategies that help you save money include the following:
- Shop around at local pharmacies to find the best price on your prescription
- Ask your doctor about generic or over the counter drug alternatives to brand-name prescriptions.
- Look into discount prescription programs.
4. Practice prevention
In its broadest definition, prevention includes a healthy lifestyle, exercise, diet, and other similar efforts. When preventative care services like physical examinations, screenings and immunizations are combined with a lifestyle that is focused on wellness, significant savings can be achieved. The Trust for America’s Health predicts that there is a return on investment of $5.60 for every $1 spent on proven prevention care strategies in America.
5. Take control of your health care
Learn to shop for value when it comes to health care. Ask your doctor the right questions, conduct price comparisons, read reviews, and review all medical bills carefully. With a little effort, you can ensure that you are getting the best value for your health care dollars.
This info is to be used for informational purposes only and is not intended to replace the advice of a legal or medical professional. Readers should contact a health professional for appropriate advice. To download the infographic, click HERE.
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