We know that “budget medical care” seems like an oxymoron. Health insurance premiums aren’t affordable for every family – even after the enactment of the Affordable Care Act. And even if you are able to have insurance coverage, you may have selected a plan with affordable monthly premiums, which means you have an extremely high deductible.
Finding affordable health care services is difficult for many families. If finding reasonable preventive care and emergency medical services keeps you up at night, keep reading. We don’t have a perfect answer for this situation, but we can offer some help.
Ideas for Budget Medical Care
So many articles about health care spending focus on state and federal government programs like Medicare and Medicaid. And while Medicare spending seems to increase each year, that program almost entirely benefits those over 65. And, of course, Medicaid offers needed assistance to those living near the federal poverty level.
So, this article focuses on finding affordable health care for the rest of society.
Purchase a health benefit plan.
If you are trying to find ways to reduce your health care spending, consider purchasing a health benefit plan.
First, allow us to tell you what health benefit plans DO NOT DO.
- Health benefit plans are not the same as health insurance plans. Instead, they are one way to combat higher health care costs by allowing participants to receive discounts for medical services and prescription drugs.
- Health benefit plans are not government related in any way. (They do not add to the federal budget deficit.) Health benefit plan companies do not get federal subsidies, and those participating do not get tax credit or tax benefits.
- Health benefit plans are not the same as a health savings account or a flexible spending account, which allows you to protect money for health spending.
Instead, consider health benefit plans as a coupon book for the health care sector. You can receive discounts on your services and prescription drugs by purchasing a plan and getting your health care from specific providers. But you must pay for the services when you receive them to receive the discounts.
Health benefit plans can be used even if you have insurance coverage.
Some people purchase health insurance with extremely high premiums as financial protection. However, they may end up paying out of pocket for most of their total health care spending (and prescription drug spending) because they never meet that deductible.
A health benefit plan will reduce your out-of-pocket cost for health care. For example, you’ll receive reduced prescription drug costs and services when you pay for them out of your own funds. The only drawback to this strategy is that none of these expenses will go toward your deductible.
AmeriPlan will help you reduce your out-of-pocket health care spending.
Are you looking for a strategy to help you reduce your out-of-pocket health care costs? AmeriPlan can help. There’s no waiting period or medical exam necessary. In addition, you can start getting discounts on chiropractic services, telehealth visits, and dental care – as soon as you sign up for the plan.
Contact AmeriPlan today to learn more about how to get discounts on your medical services.
Key Takeaways: How to Get Discounts on Health Care Services
- Health plans like those offered by AmeriPlan are not the same as health insurance plans. Insurance coverage pays for some medical services while health benefit plans give you discounts on some medical services.
- Instead, health benefit plans allow you to receive discounts on medical services if you purchase them from a participating provider.