High Deductible Health Plans are less costly (lower monthly premiums) than other plans. Generally, this could mean that you pay less overall for your health care, but you should be conscious of how you are using your plan, for your health and your budget.

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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Get Your Free Copy of the “Ultimate Guide to Medicare” video and eBook from Florida Medicare Agency!

This book helps you learn about the different parts of the Medicare program, including Medicare Part A and Part B (together, they are often called “Original Medicare”), Part C (often called “Medicare Advantage”) and Part D (the part of Medicare that covers your prescription medications).

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This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products.
Medicare has neither reviewed nor endorsed this information.

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