No matter what plan you are on, you receive preventative care (yearly physicals, well baby exams) for free in the plan.
With a high deductible plan, you should become cost-conscious about your healthcare services.
Don’t go to an emergency room, unless it is an actual emergency. There are many walk in emergency clinics that can handle many health problems. If it’s an actual emergency, they will refer you to the emergency room.
Put some money aside to handle medical emergencies as they arise. If you know you may need a procedure (non-critical) save for that procedure.
Compare costs between providers. There are apps and tools to help with this comparison.
For some services, you can negotiate the price. Don’t be afraid to ask.
Question your doctor about what services are needed, and how much it will cost. Sometimes there are less expensive options that the doctor did not consider.
Choose your plan wisely. Some plans on the marketplace allow for several visits to a primary care doctor during the year, with only a copay. These can very likely save you money in the long run.
A High Deductible plan can be beneficial in reducing your health care costs, but you need to plan for it, and be conscious about how you use your plan.
At Florida Health Agency, we will work with you to understand your health care needs and your budget. We are an independent agency that will advise you on what plan(s) best suit your needs.
Contact Us at (954) 866-7579 for a free consultation.
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