For many people, this is an expensive time of year, and that doesn’t leave much money to spare.
So why do millions waste so much money on health care? And how can you avoid doing the same?
- Maximize Your Deductibles
Have you met or are you close to meeting your 2018 deductible? Find out by contacting your insurance provider. Ask about your coinsurance and out-of-pocket maximums too. This information will give you a clear understanding of how much a procedure will cost and how much your insurance will cover. Maximize your deductible by booking the health care appointments you need now—before the year is over—including your routine colon cancer screening.
- Not Met Your Deductible, but Care is Essential? Book Your Appointments
You can still get affordable, quality care by booking your procedure at an independent ambulatory surgery center like Digestive Health Center, which offers high quality care at a fraction of the cost charged by hospitals or hospital-affiliated surgery centers.
- Sign Up for a Payment Plan
If the cost of your procedure is just out of reach, a payment plan can help you manage the cost and still get the care you need. The center’s billing staff can discuss payment plans that suit your budget.
Save Money on Health Care Every Year
Perhaps your colonoscopy isn’t due this year, so you’re not thinking about it right now. However, planning ahead can save money.
Open enrollment season occurs around the end of the year at most workplaces, and the decisions you make now could have a big impact on your future health care costs. You need to choose a health care plan that suits your needs and your budget. Before making your choice, consider:
- How much you spent on health care last year.
Include the cost of your premiums, copays, coinsurance, prescriptions, and all other out-of-pocket expenses.
- The cost of deductibles, coinsurance, and copays so far this year—and any ‘health events’ you’re expecting.
Remember, the total cost of your health care isn’t just about premiums. If you’re having a baby or need to schedule procedures or screenings, check if the costs are fully or partially covered by your plan.
- Will you still be able to see your preferred doctors?
Make sure your preferred physicians are included in the network for the plans you’re considering. Out-of-network doctors and facilities can make a seemingly low-cost plan very expensive.
- Is there an FSA or HSA available with your plan?
Flexible spending accounts (FSA) are available with most insurance plans, providing significant tax savings, while high deductible health plans make you eligible for a health savings account (HSA). These can be applied for at certain financial institutions if they are not offered by your employer).
Not Insured? Need to Pay Out of Pocket?
If you’re not insured, or your health care plan requires you to pay out-of-pocket for much-needed services, then you can still get great health care at an independent ambulatory surgery center. Centers like Digestive Health Center provide high quality care to suit your budget and offer:
• Fellowship-trained gastroenterologists and facilities who meet or exceed safety and quality standards.
• Prices significantly lower than those charged at hospitals.
• Cash payment and payment plan options.
• Accessible parking and curbside drop-off and pick-up.
Whether you are considering health care options for the new year or you need care right now to maximize your deductible, contact the team at Digestive Health Center. They can answer all your questions and help you find an affordable option for your GI health care. Contact the center today to learn more or schedule an appointment.