Five tips for achieving health care efficiency

Health insurance can be looked upon as a non factor for many younger employees in the workforce. I’m not referring to Americans that are eligible to remain on their parents’ health insurance until they’re 26 years of age. Many people forego getting health insurance because they either feel that they’re healthy enough to do so or the monthly premiums are too expensive.
While in my early 20s, I considered foregoing health insurance because I was relatively healthy. When I began a new position at age 25, I decided to get health insurance because I never know when I might need it. Now in my 40s, I discovered that I have allergies and asthma. Considering how expensive prescription medicine can be, obtaining health insurance can mean the difference between life and death. Here are five tips for achieving health care efficiency:

1. Attend health fairs

Many companies have health fairs providing employees with information on health plans. Information varies from high or low deductible plans, to monthly premiums for individuals and families and physician networks. Considering that many of these health fairs are free, it’s in an employee’s best interest to attend and get all the information possible to make an informed selection.

2. Find the plan that best fits your needs

Many employees choose high deductible health plans over lower deductible plans for a variety of reasons. They may feel they’re healthy enough to not schedule many doctor visits, or they’re trying to save money. Others choose low deductible plans to accommodate frequent doctor visits for chronic illnesses. Selecting a plan is based on personal choice, as employee needs vary.

3. Obtain referrals

If you’ve decided to schedule a doctor visit for a checkup or for specialized care, obtaining referrals from family and friends is the most efficient method. In 2017, many have taken to social media asking for recommendations from local people on their “friends” list that they haven’t actually met. While I’m not implying those kind of recommendations will produce undesired results, you still want to research these referrals for yourself before deciding which doctor to visit.

4. Create a Health Savings Account (HSA)

Creating a HSA is the best way to set aside money for doctor visits. Many employers have an HSA program where you can have either a fixed dollar amount or fixed percentage of your paycheck deducted into this account. Having and HSA is extremely useful for expensive prescription medicine, as well as contact lenses. Simply put, HSA accounts ease the financial burden health care can cause considerably.

5. Make time for some sort of physical activity

We know how hectic life can be sometimes. Many of us have families and career responsibilities that can prevent us from making time for physical activity. Subtly building physical activity into your daily routine can help you maintain your health. Using the stairs instead of the elevator, or passing over closer parking spots for farther spots can be effective. Deep breathing exercises can also enhance your physical well being. Making these brief exercises part of your routine can help you achieve health care efficiency.

This article was produced by Greg Bradshaw.

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