There’s no denying that healthcare services in the U.S. are pricey. Even though the Affordable Care Act has helped ease the financial burden healthcare places on many Americans, physician appointments, tests and operations can still be incredibly expensive. Fortunately, there are several effective ways to save money on healthcare without compromising the quality of the care you receive. Anyone interested in cutting their healthcare costs in half can benefit from the following pointers.
1. Don’t Think That All Tests have to Be Performed at Hospitals
When a physician orders tests, most people have them performed at the facility at which he or she practices. However, it’s important to realize that you have options when it comes to medical testing. There are countless outside facilities that specialize in disease screening, blood tests and imaging. Many of these places have access to the same equipment as hospitals and offer the same level of expertise. Best of all, having tests performed at these facilities is often considerably less expensive than having them done at hospitals. Garden State Residents in need of affordable open MRI scanner tests or other imaging services are urged to visit Middletown Medical Imaging.
2. Know Your Insurance Policy Inside and Out
Many Americans incur exorbitant healthcare bills as a result of seeking care from physicians and facilities that aren’t covered by their respective insurance policies. With this in mind, it behooves cost-conscious care seekers to study up on their policies and learn what is and is not covered. Additionally, before making an appointment with a new physician or scheduling a recommended procedure, take care to review your policy. This will ultimately help prevent you from incurring unexpected bills.
3. Negotiate With Providers
Unbeknownst to many healthcare seekers, most hospitals are willing to negotiate with financially burdened patients. If you need time to pay a bill in full, most hospitals are happy to work out manageable payment plans – or even forgive large portions of your debt. Furthermore, many healthcare facilities offer comprehensive financial aid programs to uninsured and underinsured individuals. Unfortunately, most facilities don’t openly advertise such programs, and the onus is on patients to ask about them.
To call American healthcare expensive would be an understatement. Depending on where you seek care, you may find yourself paying a small fortune for basic services and routine procedures. Luckily, this doesn’t have to be the case. Provided you put the tips discussed above into practice, saving money on healthcare should be well within your abilities.