Be a Smart Shopper When Looking for Health Care

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According to a survey, nearly 90 percent of Americans have health insurance, a huge jump from previous years. With Obamacare, it makes it virtually impossible not to have health care in the United States–requiring that all have access to health insurance. In 2015, nearly 11.7 million people signed up for health insurance under Obamacare, according to NBC News. In some cases, people may be receiving free coverage through Medicaid or subsidized insurance, but then there are those select few that are shoveling out more than $10k a year in health care expenses. While some people may have some coverage through employer-sponsored health insurance, their portion of the bill might still be a bit of a shock.

Here are some important methods to shopping smart for health insurance if you’re one of the select few looking for the right provider:

Choosing the right health insurance plan: It’s all about saving money when it comes to health care, so your decision in a type of health insurance plan will define what is covered and what is not. Whether you’re an individual seeking out a health care plan or a business looking to buy a plan for employees, it’s important to look for these four things to keep costs low:

  • Coverage
  • Cost
  • Accessbility
  • Quality

Some insurance agencies, like Arnouts Insurance Agency, offer a variety of health care plans to choose from. Learn more about it at their website.

Maintain your services in-network: The simplest way to keep health care costs at a minimum is to keep your services in-network, meaning you should always look for facilities or practices that accept your insurance. Using anything other than those approved can result in even more expenses you might not be willing to afford.

Prices vs. best value: Like anything else in this world, you should compare health care plans based on price and value. You wouldn’t impulsively buy a house without first looking around.

Follow doctor’s orders: Plain and simple, you should take care of your health outside of the doctor’s office. If you don’t get your prescriptions filled, refuse to take the recommended medicine, or eat poorly, you could be on your way to the hospital or doctor’s office again in no time–resulting in more money needed on your behalf.

Unfortunately, many Americans avoid the advice of doctors and take their medication in their own hands. Following the advice of doctors will result in better health and less money spent.