124 - Managing Your Health Expenses: Beyond the Monthly Insurance Premiums

Today we're continuing our conversation about health insurance, health expenses, and what to consider when you're budgeting for your health. We often forget that health insurance is a business. And just like any other business, there's a lot to know, and it takes a few extra intentional steps to truly understand it. Last episode, we discussed how your health insurance plan is not designed to maintain your health, but rather to treat diagnosed conditions and illnesses. Many people find it difficult to save for their health expenses while also paying for their insurance. So what can normal people who want to stay healthy and keep their insurance do? More than likely, your doctors (and their support staff) are far removed from what is happening with your specific insurance plan. Between their busy schedules and managing their own work environment, they're not able to keep up with individual patient health insurance plans. The onus is on you to be prepared for your bill after each visit. In an ideal world, insurance plans would be a lot clearer and easier to understand. The financial burden on the patients is real, but so is the financial burden on the clinic. By the time your bills are generated for your medical services, weeks may have gone by. Delayed bills confuse patients and cripple doctors, but this is just how the process goes. Spend the time it takes to become educated on your health insurance plan. You will save yourself a lot of stress at the doctors office if you know what to expect. It's not fun to talk about it, but it is very important. Don't renew your plan without doing your due diligence, and be sure to check if your coverage will be the same as it was in previous years. Connect with Dr. Cernaianu https://www.herabeautyandwellness.com/ https://www.instagram.com/herabeautyandwellness/ https://www.facebook.com/people/Hera-Healthcare-Mirela-Cernaianu-MD/100063462643162/