The holidays offer plenty of ways for you to spend—and waste!—money. Yet millions of Americans waste money on something else at this time of year…
….their health care.
Are You Wasting Money on Health Care Right Now?
You could be wasting money if you have met (or are close to meeting) your 2018 deductible, but have not scheduled important health care appointments and screenings, including your colonoscopy. You’re wasting your insurance coverage—and putting your health at risk. How can you save money and manage your health year after year?
- Check if your deductible has been met or if you’re close.
A quick call to your insurance provider is all it takes. While you’re on the line, check your coinsurance and out-of-pocket maximums too. You need to know what portion of a procedure or screening cost your insurance covers.
If your deductible or coinsurance has not been met, you can still get much-needed health care screenings, like a colonoscopy, without breaking the bank by choosing an independent ambulatory surgery center like San Antonio Gastroenterology and Endoscopy Centers.
- Choose a payment plan to suit your budget and circumstances.
San Antonio Gastroenterology and Endoscopy Centers offer payment plans to help you manage your health care costs. You don’t need to put off that screening because you don’t have the cash right now. The staff at the center billing office can help you find the right payment plan for you.
Will You Waste Money on Health Care in the Future?
You could easily waste more money year after year if you don’t do your research. During open enrollment, you are often bombarded with choices, and the wrong choice can be expensive. So, before choosing a health care plan, ask these questions:
- How much did you spend on health care last year? Have any of your costs increased?
Ensure you include premiums, copays, coinsurance, prescriptions, and any other out-of-pocket expenses in your total. Check whether your deductibles, coinsurance, and copays increased, too, because they affect the amount you pay overall.
- Are you likely to incur larger health care expenses in the coming year?
If you are pregnant or scheduling an important surgery or screening, find out what coverage the plan offers.
- Does your plan include your preferred health care providers and cover your prescription medications?
Don’t select a low-cost plan that is not accepted by your preferred health care providers if you know you will spend extra by going to them anyway. Likewise, if the plan doesn’t cover—or only partially covers—your prescription medications, you may have far higher out-of-pocket expenses.
- Does the plan include an FSA or HSA?
High deductible health plans include eligibility for a health savings account (HSA), and if your employers don’t offer an HSA, you can still apply for one at certain financial institutions.
If you don’t have a High deductible health plan, most insurance plans offer a flexible spending account (FSA) that allows you to make tax savings.
How Can You Save Money If You’re Uninsured?
If you’re uninsured, or if your health care plan requires you to pay out of pocket for services you need, you may think your only option is to go without those vital screenings or appointments—or pay heavily for them at a hospital. However, by booking at an independent ambulatory surgery center such as San Antonio Gastroenterology and Endoscopy Centers, you can receive high quality care and save money compared to what you might be charged at a hospital or hospital-affiliated center.
San Antonio Gastroenterology and Endoscopy Centers maintain safety and quality standards required to achieve certification accreditation from industry-leading regulators. Every gastroenterologist is fellowship-trained and exceeds national rankings for the detection and prevention of colon cancer when performing a colonoscopy. You can also be certain your visit will be simple with accessible parking and curbside drop-off and pick-up available.
Whether you are considering new health care options for the new year or need care right now to maximize your deductible, the team at San Antonio Gastroenterology and Endoscopy Centers is available to answer your questions and help you find an affordable option for managing your GI health care. Contact the center today to learn more or schedule an appointment.