With all the talk these days about diseases, flu shots, H1N1 virus, health care bill reforms etc, it has become more important than ever to become aware of how to best care for you and your family.From knowing where your local hospitals are, to what kind of insurance coverage you have if you or a loved one is involved in an accident and needs unexpected care.
It is essential and in our office we say it's mandatory for patients to learn, know and fully comprehend the extent of their health care benefits and what coverage they actually have.
Empower yourself to go to your human resource departments and ask specific questions about your health care options as an employee.
If you don't have many options available, consider opening an HSA (Health Savings Account) or other side account specifically designed to pay for medical expenses only with a ton of benefits.
If putting money into a savings account is challenging on a montly basis but you or your family still requires care, consider opening a Care Credit medical financing account. The card can only be used at Care Credit accepting medical offices (so it can not be abused), but is a great way to pay minimal monthly payments for care, instead of larger lumpsum pricing.
Becoming aware of health care is a complicated thing to do right now given the current state of affairs. However, with a little work, some research online and asking the proper questions to human resource directions, your health care providers and insurance companies - the better designed plan you'll have for you and your family when the time comes.
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