It’s Time to Plan for Health Care
If handling your finances and planning for the future were part of your New Year’s resolution, then this is the right time to start to plan for health care.
January is Financial Wellness Month, so we would like to encourage you to start planning for a future of better health and wealth.
How to Start Planning for Your Health Care Needs
Follow these simple steps to start a great plan for health care now and in the future:
1. Get Organized
The best you can do before you start formulating a plan for a better future is to declutter your life.
Start by clearing your desk or workspace. Having an organized workspace will help you achieve more of your goals, and it can also help you improve your time management skills and reduce stress.
2. Get a Handle on Your Finances
The first thing to do is to know your monthly expenses. Once you know how much you are spending and on what you start creating a budget.
Analyze your expenses and look for ways to save. Once you’ve done that, create a budget and review it every month. Implementing a budget will help you visualize where you could potentially save money and provide peace of mind.
Make sure to include healthcare coverage in your budget, your health, and that of your family should always be a priority.
3. Review Your Insurance Plan
Our lives and priorities change constantly. So, reviewing your health insurance plan to see if it still meets all your needs is sound advice.
Understanding your coverage and out of pocket expenses is important because in the event of an emergency or long-term illness, you will have a clearer understanding of the potential financial impact and you can start saving for that now.
4. Know Where to Go
Most insurance plans work through a network of healthcare providers. Take advantage of your insurance, schedule appointments for routine medical exams, and have a list of doctors and facilities that accept your insurance plan.
It is essential to know that while your insurance will cover services only if an in-network provider offers them, emergencies work differently.
Texas law guarantees you will receive the same coverage benefits for emergency room services regardless of whether the facility is in or out of network.
In other words, during a medical emergency, you can receive treatment at any facility capable of treating you and not have to pay more.
5. Take Advantage of Altus Emergency Centers Patient Advocate Services
Our Patient Advocate is here to help answer questions regarding your coverage, your Explanation of Benefits (EOB), invoices, as well as services provided at our facilities.
The resource is free, so you don’t need to worry about added costs. We are here to help.
Know Where to Go in Case of an Emergency.
When Can You Have Access to Our Patient Advocate?
Our Patient Advocate is available to you as soon as you walk through our doors. If you are unsure of how to access your health insurance, they can help.
They can also help you negotiate with your insurance company, and they will take care of all the insurance claim process, including any appeals.
However, most people don’t realize our Patient Advocate can be of great help to them even if they have not visited any of our facilities before.
Our Patient Advocate can help counsel you on what your insurance benefits mean, and which ones are worth increasing. So, if you have a question, give us a call, and we will do everything we can to help.
Healthcare Financial Planning for Business Owners
If you own a business and you provide your employees with insurance coverage, you need to take special consideration when budgeting for the year ahead.
Altus Emergency Centers can help reduce your insurance costs. Contact us today so we can negotiate better medical service rates for you and your employees.
At Altus Emergency Centers, we want 2020 to be a healthy and prosperous year for everyone. So plan for the future and plan for your health care needs alongside Altus ER.