Keep money in your pocket by adopting these tips.
More and more Americans are becoming concerned about paying for health care. While the wages have risen a modest 10 percent since 2010, health care deductibles have risen 67 percent in the same time period for American workers.
However, there are smarter ways to pay for healthcare before meeting the first $2,000, $4,000, or $10,000 of the deductible. Here’s how.
Telemedicine
Ever since the rise of technology, telemedicine has taken off. Delivering a doctor or nurse over the phone or through video chat for immediate consultation could get you instant assistance as well as saving you a few dollars. The average urgent care visit is $250, while telemedicine visits are typically $40-$50.
Health Savings Account
With certain high deductible insurance plans that qualify, health savings accounts can be an added benefit to put away money for future health care expenses. Generally, health savings accounts are available through your employer, but if they don’t participate in a program or you purchase health insurance on your own, you can open one up at your local bank.
Shop for a New Health Insurance Plan
Each year, whether you an employee or buy health insurance on your own, you have the option to purchase a new health insurance plan during the new open enrollment period. During this time, it’s wise to look at the amount of health care you need and determine if a high deductible plan might work for your few medical needs or upgrade to a plan that will cover more medical expenses.
The right health insurance can help financially protect you. To learn more about your insurance options, contact Donald Weiss Insurance Services today!