It’s hard enough having to pay entirely out of pocket for your medical care normally, let alone during a pandemic. But don’t give up on your health. You deserve the same quality healthcare as anyone else, regardless of how you pay.
Here are a few ideas to help you save:
1. Don’t Procrastinate.
Putting off routine care can lead to even more costly emergency treatment for potentially life-threatening conditions. Right now, most doctors and hospitals are postponing non-essential services, but that won’t be the case forever. Once providers go back to business as usual, get into a regular schedule with a doctor you trust.
2. Shop Around.
The days of hidden healthcare costs are gone. Get ready to Google! You have choices when researching good deals in your local area:
Online healthcare marketplaces like MDsave show you the complete price upfront for your procedure, including the most commonly related fees, and let you buy your procedure beforehand, so all you need at the doctor’s office is a voucher. It’s just like booking a flight online.
An important feature of online healthcare marketplaces is that they bundle all the parts of your service into one price. You can’t know if you can afford something if you only see one part of the total cost. Even something as simple as an x-ray is going to have multiple fees for the scan and the radiologist’s interpretation.
Transparency Websites like Healthcare Bluebook help you find fair prices in your city or state. You can use these numbers to help you negotiate fair self-pay rates. Be sure to double-check the Fair Price Fee Details to see if the price listed includes fees for any of the related services.
If you can’t pre-purchase a procedure through a marketplace, be upfront with your doctor’s office about paying out of pocket. Ask them for their self-pay or cash-pay rate, and don’t be afraid to ask about pay over time options if you can’t float the full amount at once.