Do you ever feel overwhelmed with benefits and how they work? Most of us have faced a crazy price when engaging healthcare for ourselves or a loved one – and that sense of wondering whether or not it’s the right price.
A couple of years ago I was prescribed a new medication. At that time, it was covered on my insurance and cost me about $15 per month. The following year, we chose a different insurance plan. When I went to pick up my prescription in January, I was told it was 100% covered. Yep, cost me $0 – score!
Who has extra time to search for a new doctor? Whether you’ve recently moved (like me) or your insurance changed, it can be quite a task to locate new doctors that are both in-network AND accepting new patients – let alone accommodate other special preferences and needs you may have!
Today, I’m sharing the easy process of using an Advocacy service to find new physicians, dentists, optometrists and more….
This is a guest post by Dr. Val Jones who works with our Doctors Online partners at eDocAmerica.
Poor sleep may contribute to increased risk for heart disease, diabetes, and depression, yet physicians often forget to ask their patients about their sleep habits until it becomes a crisis. Sleep specialists recommend that insomnia be treated at the same time as other medical conditions. It is common for clinicians to hope that if the other conditions are treated first, good sleep will follow. But that is rarely the case.
Last week, our team shared 5 tips for saving cash on healthcare. If you missed out, read it here.
As consumer-driven Americans, I think we know HOW to be smart consumers, but we don’t apply our normal buying rules to healthcare. And why should we, when there are so many reasons not to? First, it’s a complicated system that most don’t fully understand. Then there’s the fact that pricing isn’t transparent. Finally, the end user (that’s you and me) isn’t paying for the service - instead “insurance is paying for it,” so why do I need to worry about the costs?
With healthcare these days, all the arrows are going in the wrong direction. Deductibles, out-of-pocket costs, and medical prices are all going up, while coverage is going down. And there’s no end in sight. As a result, Americans are becoming better healthcare consumers and finding ways to save. One way is a Health Savings program – sometimes referred to as a Health Discount card or program. Most people don’t want “discounted” healthcare, so “savings program” is much more palatable.
My wife was told she needs knee surgery. After looking into surgery, stem cell and many other options, we contacted our Advocate.
She sent a list of facilities for us to check out along with the cost for each, which is very helpful.