For many families, medical expenses represent a significant portion of their annual spending. Finding a way to get these expenses in check and reduce the amount they are required to spend is very important. Fortunately, there are ways that you can save money at the doctor, even if you have a high deductible health plan.
Many people choose insurance policies that have high deductibles because they want to pay lower premiums. The deductible is the amount of spending that you are responsible for before the insurance company will start paying anything. If you have a plan with a $6,000 deductible, for example, you will have to run up more than $6,000 in medical bills before your insurance takes effect.
Since these plans mean that insurance companies do not have to pay as many claims, they usually come with much lower premiums. This can be very appealing to many people, especially if they are strapped for cash. As long as everyone stays healthy, a high deductible health plan can help you save a lot of money. However, if someone gets sick or is injured, you can suddenly find yourself on the hook for thousands of dollars worth of medical bills.
By combining your insurance plan with a discount health plan, you can cut your medical expenses and ease some of the financial burden on your family. A discount health plan is not an insurance program. Instead, it is more like a membership in a buying club.
You pay an annual membership fee, and in exchange, you can receive discounts at any doctor or other medical provider who is a member of the plan. In many cases, these health services discounts can be significant. You can save anywhere from 25 percent to 65 percent on many common procedures.
Discount dental plans are often a large part of a discount health plan.
By combining your high deductible health plan with membership in a discount health plan, you can have the best of both worlds. You can take advantage of the lower premiums that are associated with your high deductible plan, yet still reduce the amount that you have to spend out of your own pocket on medical and dental services.
However, you need to make sure that your physician of choice is a member of the discount program. You can check that out HERE. Otherwise, you will not be eligible for the savings. It is also a good idea to check and make sure that your doctor accepts both your health insurance and your discount program membership. Your insurance policy is the primary form of payment.
Because the membership fee for the health discount plan and discount dental plans is so affordable, joining one can offer you and your family significant savings. This is particularly useful if someone in your family suffers from a medical condition that requires expensive treatment on a regular basis. Finding a way to pay for these expenses can be difficult, so anything that you can do to save money is worth it.
Reducing your medical expenses can be difficult. Look into joining a discount health plan today to save more money.
AmeriPlan discount health and dental plans are designed to save you money while providing the health and dental care you and your family needs. Get started now and you’ll be amazed at the level of medical and dental services and the low cost.