Secrets of Paying for Health Care Unmasked
May 13, 2008
Updated 5/25/08
Your dwindling resources may seem like an insurmountable obstacle to obtaining the help you need. You may want to visit a professional who is covered by your insurance first if the person has a good reputation in your area.
What do you do if the professional you choose isn’t a member of your plan’s network or you don’t have insurance? What if your plan doesn’t cover “alternative” providers or therapies? Approach the provider anyway for the following reasons:
1. The provider may agree to join your insurance company’s network. Contact his or her billing office well ahead of your appointment to discuss that option.
2. The provider may agree to work within your policy’s provisions without joining the network. For a problem that requires multiple visits, such as physical therapy, an out-of-network provider may agree to charge you only your regular co-pay amount and file the insurance claims so they go toward your deductible.
3. Uncovered expenses may be tax deductible. Special foods or nutrition services, if ordered by a licensed professional, can be claimed on your tax form if you itemize.
4. Uncovered expenses may be covered by a flexible savings account or medical savings account. Check with your plan to see if your situation qualifies and to find out what documentation you will need.
5. Some providers don’t accept insurance. Their services may be less expensive than those of covered physicians because they don’t have to pay for claims processing.
6. Some providers will accept installment payments. Discuss this possibility before making an appointment.
7. Some providers will agree to barter services. I edited a book for one and wrote press releases for another.
8. Insurance companies are covering a broader range of services than they have in the past. Your provider may suggest alternative treatments by someone other than a primary care provider. Check with your insurance company to see if some of these services, such as those of Certified Nutritionists or Acupuncturists, are covered, which will reduce your out-of-pocket expenses.
9. Research centers at universities often conduct clinical trials. Though most trials are reserved for those who have received a specific diagnosis, your future visits may meet the guidelines of a study planned for your chosen facility. Participants receive free treatment, which can include travel and lodging costs, and usually receive monetary compensation, as well.
10. Discount plans abound. Prudent Choice is just one reputable option. Some even cover alternative medical services. Your insurance company may be affiliated with a company that provides discounts on vitamins and herbs. Check the Internet, check with your insurance company or check with the billing offices of your preferred providers to explore possible choices.
____
From Secrets of Finding a Diagnosis Unmasked: Save Money and Time as You Navigate the Health Care System in Search of Help with a Chronic Illness
This book, by Jacqueline L. Jones, is the second edition of the book Secrets of Getting a Diagnosis Unmasked, and is available now as a download for $6 from Lulu.com.
Sphere: Related Content
Comments
Got something to say?
