Life Essentials Magazine - June 2017
At Life Essentials Magazine, we understand that every day, a new door opens. What lies on the other side might be a bountiful gift at times, and at others it will be a monkey wrench you weren't expecting. Rather than allow life's unexpected events throw you around, you can take control. Together, we'll find a way to deal with whatever lies on the other side.
At Life Essentials Magazine, we understand that every day, a new door opens. What lies on the other side might be a bountiful gift at times, and at others it will be a monkey wrench you weren't expecting. Rather than allow life's unexpected events throw you around, you can take control. Together, we'll find a way to deal with whatever lies on the other side.
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5<br />
CHOOSE A PLAN THAT SUITS YOU<br />
Choose the type of health insurance plan that best suits your needs. You can<br />
select from among an HMO, a PPO or even a POS. Each has different pros and cons that<br />
you should find out and consider before you purchase a policy. If you like your present<br />
doctor, make sure with any policy you choose there is an option to stick with him.<br />
6<br />
ASK ABOUT PRESCRIPTION COVERAGE<br />
Check with your health insurance carrier to know what prescriptions are covered<br />
under your policy. This can change annually, so checking regularly will ensure that you<br />
do not suddenly find out that your prescriptions are no longer covered.<br />
7<br />
CONSIDER GETTING AN HSA<br />
If you are relatively healthy and do<br />
not visit the doctor often, start an HSA<br />
(Health Savings Account). The money you<br />
are not paying in premiums and insurance<br />
deductibles goes into this account. This<br />
can be used for future medical expenses.<br />
8<br />
CHECK YOUR INSURANCE BILLS<br />
Pay attention to all the bills you<br />
receive for your health care. Even when<br />
having a plan related to health insurance,<br />
you could be in for a shock with some<br />
bills you weren’t expecting, such as the<br />
high cost of some medications. Many<br />
doctors just write the prescription without<br />
even thinking of offering you the option<br />
of a generic medication. If you can use<br />
different pharmacies, do some research<br />
to find out which one has the best prices.<br />
The price of the same medication can vary<br />
widely at different pharmacies.<br />
<strong>June</strong> <strong>2017</strong> |<br />
17
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