Do not presume that since you’re making a reasonable salary, you are not eligible for a free insurance or perhaps a discounted price on your health insurance coverage through government programs. If you are really sick or recently happen to be a victim of cancer or heart stroke, changes are that you may be rejected individual health care insurance coverage by private insurance providers. In these cases, its smart to investigate with your state government if their health coverage plans include the pre-existing problems you’ve got.
4. Go with generic drugs
Your doctors would probably suggest generic drugs and medications wherever appropriate. And here is the reason why – Brand name prescribed drugs cost about $80 more than the common generic drug. So, what is a generic drug? They are simply generic copies of branded drugs with exactly the same dosage, intended use, side-effects as well as risks. In fact, the FDA (Federal Drug Administration) mandates that generic drugs should be as effective and safe as brand name drugs.
5. Stay in Network
Whether you’re covered through your employer, independently or through the Insurance Marketplace, one of the most effective way to maximize your insurance coverage is to stay in-network. When making an appointment, always verify that the doctor is still within your insurance network. (Many doctors come and go). Even if a facility comes in your insurance plan, it does not mean every professional (for instance the radiologist or nurse) does. Contact your insurance provider directly for a list of providers in your town who are in your insurance network. Also, if you want to visit a doctor when you are out of town, contact your insurer’s toll free number to ask about the right way to get services that’ll be covered.