Is your health insurance doing what it is supposed to do?
We pay our premiums regularly hoping to cover our lab testing, imaging and other medical expenses only to receive more bills from the doctor’s office. Where did that come from?
This spiraling healthcare costs are causing most families either to postpone or completely avoid getting the health care treatments they need and end up spending more by getting into a serious life-threatening situation.
How many of us do really understand our Insurance plans?
The world of health insurance is totally chaotic and most of us are confused about the basic facts of insurance like our Premiums, Deductible, HSA contribution, Coinsurance, Copay Preventive Care, Out-of-Pocket… This list can go on.
Findings by the Kaiser Family Foundation survey shows an increase in high deductible plan enrollments from 20% to 30% of covered workers from 2014 to 2019 which means they are opting for less coverage plans.
These enrollees are likely to be struggling to pay extra out-of-pocket costs for doctor visits, routine lab testing, imaging procedures, and more.
While we cannot predict our health, which is full of surprises, there are a few “know-how” ways to get the right care you need at the time without breaking the bank. At GoEmed, we want to put your health in your hands. Our focus is on affordable, accessible, convenient, and transparent healthcare platform and to support you with knowledge on just about anything you need to know about healthcare. A little bit of planning can make the process a lot easier to save money and reduce the financial burden of healthcare.
Weigh in on the risks early
It is critical to recognize and acknowledge some of the stumbling blocks on your journey to good health. Constantly listening to your body and assessing any risk with pains and aches can factor in understanding your body better. You can now schedule a consult with a GoEmed healthcare professional to:
- Discuss and understand your Health Care goals and Objectives
- Obtain a detailed analysis of your existing overall health status
- Educate on risk factors for any serious health conditions based on your social history and environmental factors
- Analyze family history for any preventable serious health conditions
We use AI to help predict the risk of at least some of the preventable and non-preventable health care conditions so that you can plan better for your current and future health care needs. For Example:
- Risk of Heart attack
- Risk of Stroke
- Risk of Cancers
- Risk of Alzheimer’s
- Risk of several other conditions
Understand your current healthcare plan
Make sure you know your insurance policy and coverage. The barrage of terms and definitions may seem overwhelming, but it is essential. What kind of care plan you have, your monthly premiums, deductibles, copays, out of pocket expenses, benefits, and all other inclusions and exclusions? Besides that, even before you opt for a procedure or lab testing, know how much deductible is left, and what is your out-of-pocket expense for it?
If you are not sure on how to go about this, we at GoEmed can help. Schedule a consult or send us an email with your request and insurance details to know more on your Health Financial Goals and to make better-informed decisions. We can help:
- Educate you on the insurance terms.
- Check your insurance benefits.
- Study your deductibles, copays, coinsurance, and other out-of-pocket expenses.
- Review for any covered preventive care services like wellness panel, that is included in your benefits, so you don’t miss out on them.
- Help you compare and assess the savings if you shop with GoEmed after taking into consideration the overall out-of-pocket expenses with your insurance plan.
- Chalk out a plan on how to increase savings to start an HSA account or to add to an existing one. You can use HSA dollars towards your lab tests, imaging, and medications. This is tax-deductible.
- Explore options of a better insurance plan to reduce premiums, increase benefits, and save more.
Research Insurance trends
With the entry of the COVID-19 pandemic, we all know how 2020 played out. The disruptions from this pandemic changed pretty much everything – the way we work, eat, live, travel, healthcare, and so on. Although it’s difficult to predict how the insurance trends in healthcare 2021 will turn out to be, keep an open eye on the shifting trends and the new normal in healthcare benefits this coming year.
Compare Shop and Save
Yes! No more hidden healthcare costs. As Transparency in lab testing prices, imaging procedures, and medication costs is a trending healthcare topic, online marketplaces are becoming a go-to place to research costs. You can now look for deals on any lab testing or procedures like CT scans, MRIs, etc., that you want even before ordering them.
GoEmed is an affordable transparent pricing online platform for your routine lab testing and imaging procedures to save you up to 80% off your area average prices. We compare and get you the best-negotiated prices. You can also find a wide range of panels bundled to help you save more. The freedom of choice is in your hands. Now you can enjoy the negotiated prices and practice prevention or early detection.
Check out our comparison chart below to show you the savings on some popular lab testing and imaging
Note: Prices shown are average premium plan prices. They are subject to change and vary by geographical location.
Get the right care at the right time
Most importantly, no insurance does not mean that you must postpone or forego the care you need. GoEmed is a direct payment platform to help people who have no insurance. You can now order lab tests, imaging procedures, and medications with no insurance on our secure portal 24/7. We provide services without insurance interference and paperwork to get you the best affordable prices. But, if you prefer to use insurance, we can certainly do that too.
Living a healthy life is the first step you can take to living happier.
New Year – New Deductibles! – Why settle for less when you are paying so much. Get the max of every dollar you spend. Sign up with GoEmed standard plan. It’s free. No credit card needed.
Find low cost blood work near you at https://www.goemed.com/affordable-labs-imaging-and-medicines/#goemedprices.
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