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Insurance Basics

Doing a little planning and homework goes a long way toward making an informed decision. Like any other big purchase, knowing exactly what you’re getting goes a long way to giving you peace of mind regarding your choice. So the more you know about how health insurance works, the more confidence you’ll have when choosing your policy.

Health Insurance Provides Financial Protection

If you’re asking yourself “Why do I need health insurance?” The answer is simple: To protect your finances if you get sick or in an accident. Let's face it. Health care is expensive and, without coverage, it’s easy to rack up hundreds or even thousands of dollars of costs. And the bills for surgeries, hospital stays, doctor bills, drugs and treatments don’t just go away. Not to mention, starting in 2014, it’s the law to have insurance. If you don’t have coverage, you may have to pay a penalty when filing your taxes.

Your InHealth Benefits Keep You Healthy

Your coverage isn’t just about covering costs when a health concern comes up. New health insurance plans also focus on preventive care and screenings to help you stay healthy. By taking better care of yourself and finding health problems early, you save you money in the long run. One of the advantages of buying a new health insurance plan is you’ll receive preventive tests and services at no cost to you. That means you don’t have to pay anything for screenings and tests like:

  • Blood pressure, diabetes and cholesterol tests
  • Many cancer screenings, including mammograms and colonoscopies
  • Counseling on such topics as quitting smoking, losing weight, eating healthy, treating depression, reducing alcohol use and sexually transmitted disease
  • Regular well-baby and well-child visits, from birth to age 21
  • Routine vaccinations against diseases, such as measles, polio or meningitis
  • Counseling, screening and vaccines to ensure healthy pregnancies
  • Flu and pneumonia shots

 

Save Money on Your Health

We know you don’t like to spend money with no good reason. So it’s nice to know that you play an important role in helping to keep insurance costs under control and saving on your out-of-pocket costs.

Here are some money-saving tips:

  • Preventive Care. Take advantage of your no-cost preventive screenings. It usually is cheaper to treat a problem when it is found early. More importantly, it can save your life.
  • Generic Drugs. Get prescriptions for generic drugs whenever you can. Generic drugs are the same as brand-name drugs, except for the cost and the color or shape of medicine.
  • Follow Your Doctor’s Orders. You’ve paid your doctor for his or her advice. Now follow it. That includes taking drugs as prescribed, showing up for follow-up appointments, and following advice about diet and exercise. Ask questions if you don’t understand. Doctors are busy, but they want to help.
  • Find a Primary Care Provider. A primary care provider, such as a family physician, internal medicine physician or pediatrician, can help save you money. Your out-of-pocket costs are usually lower for primary care providers. And they’ll make sure you get the right preventive care and screenings for your situation.
  • Use the Emergency Room for True Emergencies. Most of us have a get-it-now mentality. But when it comes to health care, that mindset can cost you extra money. Using the emergency room for routine care, such as a cold or flu, earache or sore throat is an expensive decision. Your cost, the difference between a physician co-pay and an ER co-pay, will be hundreds of dollars.
  • Make Healthy Lifestyle Choices. Taking good care of yourself can help to prevent chronic health problems such as diabetes, high blood pressure and high cholesterol. This means fewer trips to the doctor and less drugs. Making healthy food choices, being more active and not smoking can help you on the road to better health and save money.

 

 



Insurance Basics

Doing a little planning and homework goes a long way toward making an informed decision. Like any other big purchase, knowing exactly what you’re getting goes a long way to giving you peace of mind regarding your choice. So the more you know about how health insurance works, the more confidence you’ll have when choosing your policy.

Health Insurance Provides Financial Protection

If you’re asking yourself “Why do I need health insurance?” The answer is simple: To protect your finances if you get sick or in an accident. Let's face it. Health care is expensive and, without coverage, it’s easy to rack up hundreds or even thousands of dollars of costs. And the bills for surgeries, hospital stays, doctor bills, drugs and treatments don’t just go away. Not to mention, starting in 2014, it’s the law to have insurance. If you don’t have coverage, you may have to pay a penalty when filing your taxes.

Your InHealth Benefits Keep You Healthy

Your coverage isn’t just about covering costs when a health concern comes up. New health insurance plans also focus on preventive care and screenings to help you stay healthy. By taking better care of yourself and finding health problems early, you save you money in the long run. One of the advantages of buying a new health insurance plan is you’ll receive preventive tests and services at no cost to you. That means you don’t have to pay anything for screenings and tests like:

  • Blood pressure, diabetes and cholesterol tests
  • Many cancer screenings, including mammograms and colonoscopies
  • Counseling on such topics as quitting smoking, losing weight, eating healthy, treating depression, reducing alcohol use and sexually transmitted disease
  • Regular well-baby and well-child visits, from birth to age 21
  • Routine vaccinations against diseases, such as measles, polio or meningitis
  • Counseling, screening and vaccines to ensure healthy pregnancies
  • Flu and pneumonia shots

 

Save Money on Your Health

We know you don’t like to spend money with no good reason. So it’s nice to know that you play an important role in helping to keep insurance costs under control and saving on your out-of-pocket costs.

Here are some money-saving tips:

  • Preventive Care. Take advantage of your no-cost preventive screenings. It usually is cheaper to treat a problem when it is found early. More importantly, it can save your life.
  • Generic Drugs. Get prescriptions for generic drugs whenever you can. Generic drugs are the same as brand-name drugs, except for the cost and the color or shape of medicine.
  • Follow Your Doctor’s Orders. You’ve paid your doctor for his or her advice. Now follow it. That includes taking drugs as prescribed, showing up for follow-up appointments, and following advice about diet and exercise. Ask questions if you don’t understand. Doctors are busy, but they want to help.
  • Find a Primary Care Provider. A primary care provider, such as a family physician, internal medicine physician or pediatrician, can help save you money. Your out-of-pocket costs are usually lower for primary care providers. And they’ll make sure you get the right preventive care and screenings for your situation.
  • Use the Emergency Room for True Emergencies. Most of us have a get-it-now mentality. But when it comes to health care, that mindset can cost you extra money. Using the emergency room for routine care, such as a cold or flu, earache or sore throat is an expensive decision. Your cost, the difference between a physician co-pay and an ER co-pay, will be hundreds of dollars.
  • Make Healthy Lifestyle Choices. Taking good care of yourself can help to prevent chronic health problems such as diabetes, high blood pressure and high cholesterol. This means fewer trips to the doctor and less drugs. Making healthy food choices, being more active and not smoking can help you on the road to better health and save money.