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If you struggle with affording healthcare costs for yourself and your family, or you’re looking for more affordable healthcare solutions for your employees at your small business, you aren’t alone.
Thankfully, there are some simple steps you can take to save money while reaping the benefits of high-quality health and wellness solutions. Check out the tips below to get started.
Choose the Right Plan Based on Features and Costs
When you’re shopping for health insurance, your goal might be to find a policy, sign up, and be done with the process as quickly as possible. After all, this can be tedious! But it’s wise to take your time and compare the health insurance providers available in your area. Each provider will offer multiple plans, and those plans will differ in terms of what they cover and what they cost.
Some of the out-of-pocket fees to consider include the premium, copays, deductibles, and coinsurance. So, the first way to save money on your health insurance is by comparing what these costs will be in the various plans available to you. For instance, you might decide to go with a plan that has a higher premium if it means your other out-of-pocket expenses, from your copay to your deductible, will be less when you see a physician.
Purchase Supplemental Insurance
Even if you have health insurance, it might not be enough when it comes to affording the costs of keeping your body healthy, so supplemental insurance may help fill the gaps. Individuals can purchase this type of insurance for themselves, and business owners can consider providing it to their staff as part of their benefits. Plus, supplemental programs might be helpful for those who are on Medicaid or Medicare.
Consider looking into the options offered by the top benefits providers, and carefully analyze them to find the one that will match your needs. Aim to choose the program that will give you the most benefits for your money. A good place to start is a Nations Benefits comparison to see what you can and can’t get from different providers.
Buy Generic Drugs and Use Prescription Discount Cards
If you’re able to buy a generic version of a medication that your doctor has prescribed, consider doing so. Of course, you can confirm with your doctor that it’s fine to use a generic drug, but if they say that it is, this step can help you save money. Put simply, generic medications are just as effective, but they are more affordable than their brand-name counterparts.
Another option is to sign up for a prescription discount card. This might help you save more, even if you have health insurance. You can get a discount card for free, and then use it whenever you go to the pharmacy to pick up your medications. The pharmacist will apply the savings so you’ll pay less – it’s that easy!
As you can see, there are several ways to save money on healthcare, so there’s no reason to skimp on the support you need.
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