Health insurance coverage in the United States can be costly. Many people find it difficult to access decent coverage they can afford and millions are currently living without any coverage at all. It’s safe to say there are many changes our federal government needs to make in order for health coverage to become easily accessible to its citizens. If you’re fortunate enough to have health coverage with the current system in place, there are ways to cut costs and use your insurance in a way that sets you up for better health.

 

Read your plan carefully and thoroughly.

Before you can use your health plan sufficiently, you need to know what’s in it. At the beginning of each year, take a few minutes to review your summary of benefits. Make sure you fully understand your benefits and all coverage details, including limits and who to contact with questions or concerns.

 

If your plan offers a health assessment, take it.

Health assessments can assist you in preparing for appointments with your doctor. According to the Agency for Healthcare Research and Quality, taking an assessment helps your doctor better understand your current health status as well as helping you in identifying and prioritizing your health goals. Some health insurance plans even offer additional incentives for completion. 

 

Go generic, when possible.

Though it may feel like in regards to your healthcare is no time to be frugal,  generic medications function just as well as the name-brand alternative. The FDA requires equal dosing, strength, safety, and effectiveness in both prescription and over-the-counter generics. Yet, the generics usually cost 30-50 percent less,  saving you hundreds to even thousands per year.

 

Research quality of care facilities.

Take the time to carefully investigate secondary care clinics before you check-in, exploring multiple options for estimates and quality assurance. Check for referrals from trusted family and friends and read into public reviews.

 

Use a nurse help line.

Most health insurance companies offer a free service for members where you can request advice from a registered nurse 24 hours a day, 7 days a week. If you have a health related question or concern that doesn’t require an appointment, a trained RN can help you make informed decisions on behalf of you and your family’s health, meanwhile saving you time and costs of an in-person visit.

A good health insurance plan is crucial in today’s world. Our Staff at The George Agency is trained to help individuals or large business uncover their needs, understand product information, and find a solution. We work with many leading companies to provide the best product at a competitive price. If you have questions, concerns, or need a quote, contact one of our offices in Mullins or Murrells Inlet for assistance. We are happy to help you find the plan right for you.