One of the greatest ways to handle medical care costs is to target on lifestyle. As we have discussed, healthy choices that minimize inflammation reduces the chances to getting chronic diseases. That is one reason that Paleo diets have now been embraced and promoted by many doctors.
Another pro-active step in managing medical care costs is always to take advantage of preventative health services. That is one item of value in the Affordable Care Act may be the inclusion of preventative screenings in ALL insurance coverage.
What this means is regardless of your deductible, the service is free. No co-pay or co-insurance.
Preventative Services include wellness visits for girls and babies; procedures and tests such as mammograms, blood pressure, and cholesterol screening. There is a lengthy list of screenings and vaccines which are provided “free of charge “.
For those 65 and older and on Medicare, the Affordable Care Act also contains preventative care screenings. Some are new additions such as annual Wellness Visits.
Be sure you review eligibility of services. Some screenings have age restrictions and high risk factor requirements. Be sure you have a thorough discussion along with your doctor AND the billing department before doing any testing.
While preventative care should not have charges – you will find loopholes. Be aware of problematic areas. Preventative care is free IF you’re in net-work. All participating physicians and labs must be in the network. For instance, the physician performing a colonoscopy may take the network, however if the anesthesiologist has gone out of network. You will pay that bill out-of-pocket.
You may even get a surprise bill if your preventative test reveals something suspicious that the physician needs to send to a lab for testing. Colonoscopy Screening is an excellent example again κολονοσκοπηση τιμες κοζανη. In case a person goes in for a screening and they find a polyp which they biopsy, the coding can be changed from’preventative’to’diagnostic’and charges may result. The practice varies by insurer.
If you obtain billed for a preventative procedure that you thought was fully covered, contact your insurer for an explanation. Then you may contact your state insurance department’s consumer assistance program. In reaction to consumer complaints, some states have passed laws requiring insurers to code colonoscopy as a preventative procedure that is not subject to a deductible, provided that the test was originally intended as a screening.
Being an intelligent consumer of preventative services is very important to safeguard your pocketbook.
Prescriptions – The Great Drug Bust
We’re in a season that many patents have expired on medications, and the majority are drugs that doctors commonly prescribe. Medications which used to cost pharmacies $400 for 100 pills, now cost pharmacies from $1 – $10 per 100 pills. What they sell them for is just a different story.
Wal-Mart received a lot of publicity about their policy of selling generic prescriptions to people without insurance. For $4, an uninsured person could easily get one month of a generic medication; $10 bought a 3 month method of getting the same product.
This appeared to be Wal-Mart was carrying this out for charity. The reality is ANY pharmacy could have inked this. Wal-Mart just found out just how to put it to use for publicity.
Costco is another source that’s low pricing on prescriptions. Costco buys and sells prescription medications in the same way they buy and sell the rest in their stores. However, these generic prices aren’t widely known. People have become used to getting their prescriptions filled up with a co-pay $5, $10 or maybe more for a month’s supply.
Purchasing the prescription on insurance might actually INCREASE the expense of your drugs. It’s like utilizing a coupon that reads “one for the price of two “.
So how will you wade through the confusion of where you should fill your prescription? And do you employ your insurance?
· Look at your insurance company’s mail-order pharmacy and see if that reduces your out-of-pocket costs.
We’re in a changing medical environment. Not just because of the Affordable Care Act, many within the device are just starting to speak-up and bring change or at least reveal problems and abuses.