Content Overview
- Summary
- Keep Your I.D. Card With You In Your Wallet Or Purse
- Stay On Top Of Insurance Company Reimbursements
- Keep Track Of Out-Of-Pocket Medical Expenses
- Avoid Paying Money In Excess Of Usual, Customary And Reasonable
- Be An Informed Consumer When Purchasing Drugs, Tests Or Treatments.
- Balance Premiums, Deductibles, Co-Insurance, Stop Loss, And Benefit
- Take Advantage Of Discounts And Wellness Features
- If You Smoke, Quit.
- If You Need An Unusual Off Label Or An Experimental Treatment
- How To Change An Insurance Company "No" To "Yes".
- How To Choose And Maximize Use Of Doctors
- If Your Plan Has Mental Health Benefits, Take Advantage Of Them
How To Maximize Use Of A Fee-For-Service (Indemnity) Health Insurance Policy
Be An Informed Consumer When Purchasing Drugs, Tests Or Treatments.
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If your insurer has a formulary listing approved drugs, ask for drugs that are on the formulary. If there are different tiers of payments depending on whether the drug is branded or generic, ask if an alternative that will cost you less money is available.
When purchasing drugs, balance cost with the other factors that are important to you. To learn more, see: How To Save Money When Buying Or Using Drugs
When a doctor suggests a test or treatment, check around for a balance of the lowest price and quality. While test facilities may not be as used to being asked about price, that should not stop you from becoming an informed consumer.
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