Tips For Controling Health Insurance Costs

One of the insurance companies I am appointed with has recently sent an email newsletter with some valuable tips for maximizing your health insurance and taking care of your health.

In my opinion, the tips they shared are good advice.
Health care is a sizable budget item for many of us. Here are some ways you can help control your health care costs.

1. Take control of your health. Sleep and exercise more. Eat better. Stop smoking.
2. Don’t ignore symptoms. Catch problems before they’re serious.
3. Wash your hands to help stop the spread of viruses.
4. Manage your weight. Many healthful vegetables cost less than processed foods. Smaller portion sizes can help you lose weight and cut grocery costs.
5. Before you visit a doctor, call to verify she or he is still in the provider network.
6. Let your doctor know you want to save money. Ask for generic prescriptions when needed. Ask for prescription samples. Check drug company websites for coupons or special offers.
7. Don’t use the emergency room as a substitute for an office visit.
8. Read your medical bills closely. If you find an error, send us a letter detailing the error.
9. Health Savings Account customers can save more by maximizing the tax advantages of their HSAs. If you have an HSA, deposit the most you can afford each year up to the legal limit. Remember, funds can be used tax free for many out-of-pocket medical expenses, like dental and vision care.