More and more individuals and companies are moving to consumer-driven health plans – HSAs + qualified high deductible health plans. With this type of health plan, you may be responsible for thousands of dollars in out-of-pocket costs. The problem is, consumers are not used to “shopping” for healthcare and don’t now how to stretch their healthcare dollars.
MyHealthandMoney.com teaches you how to shop for your healthcare. Check out our comparison pricing tools so you can find out the cost of that test or procedure your doctor ordered at facilities in your area. You can then choose the facility that meets your budget and quality standards. It’s amazing to see the difference in prices and empowering to be able to choose!
You can also find discounts on prescription drugs and health services like blood work from Quest Diagnostics and counseling sessions from Pyschology.com.
A membership to MyHealthandMoney.com only costs $6.99 a month. This fee keeps the site independent and advertising free and is often recouped when you redeem just one discount.
Here are three ways to use MyHealthandMoney.com to stretch your HSA dollars:
Save on health services including 15% off blood work
Perhaps you’ve skipped a doctor’s visit because you don’t want to pay the out-of-pocket for a physical and blood work. There’s a lower cost alternative – go to the lab. Quest diagnostics is the world’s leader in diagnostic laboratory testing, information, and services. As a MyHealthandMoney.com member, you can save 15% on their health screening tests including heart, diabetes, and whole body tests.
Perhaps you’ve skipped a doctor’s visit because you don’t want to pay the out-of-pocket for a physical and blood work. There’s a lower cost alternative – go to the lab. Quest diagnostics is the world’s leader in diagnostic laboratory testing, information, and services. As a MyHealthandMoney.com member, you can save 15% on their health screening tests including heart, diabetes, and whole body tests.
A friend recently went to her doctor and was charged over $600 for annual bloodwork plus the cost of the doctor’s visit. Call and ask your doctor’s office how much the fees for your exam and blood work will be. If the estimate is over $100 consider getting the 15% discount and going to a Quest location near you – the cost will be about $100 or less, depending on the test you choose.
Save up to 20% on prescription drugs through the mail-service pharmacy
Does your health insurance include a pharmacy benefit? If not, you’ll find significant savings over customary drug prices and Internet pharmacies at MyHealthandMoney.com’s partner pharmacy, PBM Plus. It’s not the simplest of checkouts – you’ll need to complete a couple forms and mail, fax or call in your prescription, but the savings can be significant.
Take a 90-day prescription of the popular ADHD drug Concerta. Here are prices as of today 11/24/2009 from major online pharmacies for Concerta 27mg and a quantity of 90:
MyHealthandMoney.com – $342.21
You can buy prescriptions through MyHealthandMoney.com’s mail-service pharmacy with a FREE Basic membership.
Compare prices on diagnostic tests and hospital procedures
There are several sites coming online that claim to offer transparent pricing tools. The only trouble is, many of them are based on Medicare data, which is not the “retail” price or the price that could be charged to your insurance company. Our staff has called hundreds of facilities to get accurate retail prices and applicable discounts for diagnostic tests in your area. You can see sample data that shows typical price variations before you actually sign up and use the tool.
There are several sites coming online that claim to offer transparent pricing tools. The only trouble is, many of them are based on Medicare data, which is not the “retail” price or the price that could be charged to your insurance company. Our staff has called hundreds of facilities to get accurate retail prices and applicable discounts for diagnostic tests in your area. You can see sample data that shows typical price variations before you actually sign up and use the tool.
Knowing the prices of tests and procedures before you get the bill is an important first step in making smarter healthcare spending decisions and stretching those HSA dollars. Think about how many times you have gone in for an exam or procedure and have been surprised by the bill. It is your responsibility to find out the cost of your treatment – after all, you are the one responsible for paying for it!
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I think this is a great post. One thing that I find the most helpful is number five. Sometimes when I write, I just let the flow of the words and information come out so much that I loose the purpose. It’s only after editing when I realize what I’ve done. There’s defiantly a lot of great tips here I’m going to try to be more aware of.
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Why, when I press the `Print’ button on this page, it automatically redirects… to the same page?
Our boy’s class desires me to take our kid to some doctor to have our son evaluated for Attention Deficit Hyperactivity Disorder to see whether he has Attention Deficit Hyperactivity Disorder signs. Now I am afraid to consult with his family doctor because just about all he’ll want to do is usually place our kid on drugs. Does one get started with a free Attention Deficit Hyperactivity Disorder quiz online.
We also had our son tested for ADHD through a psychological study because he has a learning disability and we weren’t sure if he also had ADHD. He didn’t have ADHD it turns out. You should read up on ADHD by searching clinical websites, and then meet with a mental health professional for testing. We have a Family Institute here that offers this type of testing. Child psychiatrists will also be able to do the testing and are the appropriate professionals to prescribe ADHD medicine. Family doctors are not the right professionals to test for ADHD. If you’re interested in talking with psychologists, nurses and/or primary care doctors before you make a move, you can sign up to our website at http://www.myhealthandmoney.com for $10.99/month, and have unlimited access to these professionals through our “Ask an Expert” section. We have on-call psychologists, licensed social workers who you can chat with online or call. We put this Premium Plus package together for people like us who have a quick question or don’t know who to talk with about a medical issue.
Good luck. And remember, you’re the parent and you have the right to choose what is best for your son.
I think this is a great post. One thing that I find the most helpful is number five. Sometimes when I write, I just let the flow of the words and information come out so much that I loose the purpose. It’s only after editing when I realize what I’ve done. There’s defiantly a lot of great tips here I’m going to try to be more aware of.