How Can Case Management Help Understand Health Insurance?
With so many types of health insurance out there, finding one for you and your family might be tough. Ask a case management nurse can be very helpful. In the case of a medical emergency, that little card can literally be life-saving. This article provides case manager health insurance tips that can benefit you.
Catastrophic health insurance coverage, as explained by case management professionals, is an option for individuals that cannot afford a standard health insurance policy. Catastrophic coverage will protect you in case you experience a severe, life-threatening illness or an unexpected accident of injury. This kind of coverage is also good to add to an overall health care plan as extra coverage when there are extreme circumstances.
Ask your doctor to increase the dose of your prescription to save a few bucks. Often, buying pills in larger doses does not significantly increase the cost so you may be able to save money by cutting the pills in half. This can actually pay for your pill splitter.
Watch your bills, suggests nursing case managers. Even if you have a good health plan, you might get charged for items that will surprise you, such as prescription medication. Some doctors don’t think of generic (and cheaper) versions of medications, and just prescribe the brand name medicine. Don’t hesitate to compare prices as well. The price of the same medication can vary widely at different pharmacies.
The premiums on health insurance are not rigid; consumers can decide what will and will not be part of their benefit plans. For example, you may exclude things like prescription coverage, vision and dental coverage or co-payments on doctor visits. Keep in mind that the more benefits that you chose to have the higher your premium will be and the less benefits the lower your premium.
Health insurance policies often times include different incentives to help you stay healthy. Many health insurance companies now offer discounts on gym memberships, annual medical checkups, quit smoking classes, weigh loss plans, healthy eating classes and annual flu shots. In addition, your premiums may be lowered if you take advantage of these opportunities to save.
If you are qualified, you can get a medical care card at discount, which could give you lower cost insurance coverage from your insurer. This card allows you to go to a doctor in their network that offers reduced cost healthcare for those with low incomes. In some cases, you can even obtain health spending accounts that give you additional ways to take care of your costs.
In the end, it is cheaper if you have a group plan, that is why you have cheaper premiums if you work for someone. The best way to get around this is to become a member or a trade organization that has insurance available to its members.
Raise your deductible to find more affordable premiums for health insurance. If you will increase your deductible, you can significantly lower your health insurance premium. Keep in mind that although your premium will be lower, you must spend more each year before your insurance will pay part of the costs.
If you require health insurance and have are a recent college graduate, there are some things for you to think about. If you’ve got a job, use the employee-based insurance it provides. You can also be listed under your parents’ policy until you turn twenty-six, or look into personal plans.
No matter what, you will save money by buying generics over brand name drugs. Generics are available in most cases and contain the exact same ingredients as a brand name. Check with a nurse case manager to find out the list of generic drugs you can take.
Check with your health insurance carrier to know what prescriptions are covered under your policy. This list will be different every year or so, so make sure you check it when you enroll again to avoid a surprise at the pharmacy when filling your medication.
The first thing to do is find a suitable company when you apply for health insurance. Another organization is a Preferred Provider,(PPO) which has their own network to pick from; they will allow you choose a doctor from another network, although there is a fee involved. A POP or Point-of-Service plan lets you pick a PCP, but they’re allowed to refer you outside that network.
If issues with your vision have arisen, or if there are hereditary factors that could cause problems in the future, consider an insurance policy that covers vision. The insurance will likely cover some of the cost of doctor visits as well as a portion of costs related to contact lenses and glasses. Insurance for vision is not required, and many people forgo this option to save money.
Are you currently covered under a health insurance policy? Having the right health insurance will ensure that you or your loved ones will receive the care that they need regardless of what situation arises. You can use the advice that this article has provided to you to ensure that you and everyone you love has proper coverage.
By Rick Popovici