Best Health Insurance Savings You Don't Know About

Reading the fine print on your health insurance plan can be a lot of work. But in many policies, you’ll these benefits hiding inside. Take a look and discover how you can save money and feel better.

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Finding Insurance Company Discounts

Like you, health insurance companies would love for you to never go to the doctor. They want you to be as healthy as possible. They understand that the healthier you are, the less likely you are to need medical care, and the less they have to pay.

Because of this, many insurance plans offer a variety of discount programs to help you take good care of yourself. These benefits can range from exclusive pricing on health-related services to discounts off items that keep you out of the doctors’ office.

The following are just a few examples of the benefits you may not even know you have.

Healthy Living Discounts

Maintaining a healthy lifestyle can be difficult, and expensive. However, by using these benefits, cost doesn’t have to be an excuse you use to keep from changing your habits. Here are a few programs and services that many companies now offer with most of their healthcare plans.

  • Gym memberships
  • Smoking cessation programs
  • Drinking cessation programs
  • Weight loss programs (such as Weight Watchers)
  • Chiropractic services
  • Nutritionists
  • Holistic services
  • And others

Read your statement of benefits or call your insurer's customer service if you’re not sure what discounts are available to you.

Maximizing Medication Cost

Saving money on prescriptions and various lab tests is not as hard as you may think. Here are some of the most effective ways to save.

Prescription Savings

One of the easiest ways to save is by using generic drugs. Ask your pharmacists for a generic version of your prescription if there is one available. Generic drugs use the same formula as the name-brand version but cost much less. If there is no generic version available, ask your doctor or check the drugmaker's website for coupons that help you pay. Many drug makers have coupons for their more expensive medications.

Go Shopping

Several large groceries and discount chains offer inexpensive or free prescriptions on common medications. These typically include antibiotics, blood pressure medication and diabetes management medications.

Did you doctor order special tests or labs? Before making an appointment, find out what amount you’ll pay out-of-pocket. Call different labs or testing facilities and check their pricing – you might be surprised!

Medication By Mail

This is a win-win situation for you and your insurer. If you have medications that you take regularly, order a 90-day supply by mail if possible. You’ll not only pay less for the medication; you’ll save on the cost of going to the drug store.

The insurance company saves as well and will often recommend their mail order service to you.

Stay Healthy – And Avoid The Doctor

What’s the best way to save on your insurance premiums? Simple – stay healthy! Here’s where those discounts are useful. No matter what your healthy is, the following can help keep you healthy.

Preventative Care

Always get your annual physicals, screenings, etc., for your age group. Regular screenings can help identify potential health issues before they become too serious.

Be A Quitter

Many plans offer incentives (some give you cash) if you quit smoking or using tobacco – they even pay for all or part of smoking cessation programs. It may not be easy, but you can do it.

Moderation In Everything

Drinking or eating too much is bad for your health. Moderation in these is known to improve overall health. The best part? Help is available – and paid for.

Reduce Your Stress

This may be the most challenging, but reducing stress can add years to your life, improve your health and save money. Here are a few ways to get started:

  • Eat healthier
  • Exercise regularly
  • Meditate
  • Pray
  • Take up yoga
  • Volunteer

Stress reduction can take many forms – the important thing is to get started today.

Another way to stay healthy? Follow your doctors’ orders. This may seem like a small thing, but its one of the most important actions you can take. And if you have doubts about a certain diagnosis or treatment, seek out a second opinion.

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