We’re in the middle of the open enrollment period for 2020, so you either just chose your health care plan for next year or you’re getting ready to do it soon.
That means it’s the perfect time to make a plan for getting the most out of your coverage while keeping costs as reasonable as possible.
Here are a few money-saving tips for you and your family to keep in mind:
Know What Your Policy Covers
It sounds obvious, but it’s important to make sure you read over your policy carefully and understand what it does and doesn’t cover. Then, when it’s time to visit the doctor or fill a prescription, you won’t risk making a costly error.
You probably already know that seeing health care professionals who aren’t in your network can be much more expensive. Don’t make assumptions before heading to the doctor; always double-check who is in your network first.
Choose the Right Facility
When there’s a life-threatening situation, don’t try to save a buck: Immediately get yourself to the nearest emergency room. If it’s not a matter of life or death, turn to an in-network urgent care facility instead of the ER. Or, wait to make an appointment with your regular primary care provider. This simple choice can save you serious money.
Research Prescription Options
When choosing your coverage, make sure your most commonly used medications are on the list. Also ask your doctor about generic options that might work for you and look into discount programs.
Have questions about your health insurance? Reach out anytime.