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Be aware that health insurance comes in many different kinds, designed to meet different requirements. Some available plans allow you to pay on a temporary basis while you wait until you can afford full coverage at a later date.

Choosing which type of health insurer is correct for you can be confusing, but knowing the differences between each can help. A PPO (preferred provider organization) has a network from which you choose from, and they let you use services out of network, but charge a fee. A Point-of-Service (POP) plan has you choose a PCP, but he can refer you outside of the network. One technique you can use to save on health-related costs is to request that your doctor double the dosage of any pill prescription being provided. Often, the larger pill is not double the cost of the smaller pill, so you will save money in buying for a longer term. You can use a pill splitter to split your pills in half. It is imperative that you make sure that you don’t forget to split the pills so that you don’t accidentally take too high of a dose.

Before you sign up for another year of coverage, ensure your prescriptions are still on the reimbursement list. Every year, when you re-enroll in your insurance plan, your insurance company has the right to change the plan terms. Read all the paperwork when you re-enroll and ask your insurance agent to clarify anything you’re confused about. In particular, keep an eye on the prescription drugs covered by your plan and note changes that may occur from year to year. If you suddenly find that your health insurance plan is not covering your ongoing medications any longer, then start your search for a new plan.


    §330 · September 26, 2012 · Information · · [Print]

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