Like many of you, one of our family’s goals for 2013 is to save more money. While we’ve been smart shopping and using coupons for a while now, we’re saving for a big vacation, a new house and more. One of the areas that we’re hoping to save more on is our medical and dental expenses. With a family of four, these costs for regular doctor and dentist visits can really add up! Whether you’re using Genesis Dental of Orem or a medical provider closer to home, here’s some tips for cutting your medical and dental expenses in the new year.
Got Benefits? Use ‘Em!
Does your company offer health, dental or medical flex plans? Make sure you’re utilizing these to their maximum potential! If you’re not already participating, sign up or at least talk to your provider or HR representative about the benefits and ways that these plans could help your family save.
Make Sure You’re Using Preferred Providers
On many insurance plans, there’s one rate for using an approved list of doctors or dentists, and another rate for using everyone else. It never hurts to check this list or make sure your medical provider accepts your insurance before scheduling an appointment.
Take Advantage of Preventative Care
Many health plans provide regular physicals, well child/baby exams, flu shots and other preventative health screenings at very reduced or often even at no cost. These regular check ups can help spot small health issues before they become big ones and help keep your whole family healthy.
Comparison Shop & Price Match
You might have thought your savvy shopping skills were only good at the super market or at a car dealership, but the truth is you can comparison shop when it comes to medical and dental too. If you know you need to have a particular procedure done, call several offices and get estimates and then ask the preferred doctor’s office to match the best price.
Ask About Cash Rate
Don’t have insurance? Ask your doctor or dentist’s office if they have a special rate for customers paying out of pocket. Many offices will offer a discount since they save a substantial amount of time by not having to file claims. Our dentist and chiropractor both have lower rates for cash customers. It never hurts to ask and you might be surprised to find out that it can save you some money!
i never knew about cash rate!
Yep! Our chiropractor and dentist both have separate rates. Since the insurance companies make them mark their rates down as part of settlements, they mark up the prices they file for insurance. For example they might bill my insurance $50 per visit, but if I was paying cash, they only charge $30. It never hurts to ask! =0)