10 ways to save on health care costs in Kentucky

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10 ways to save on health care costs in Kentucky
Toll Free 1-877-549-1212

• Saving money with Anthem Blue Cross Blue Shield

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1. Ask your doctor to be your ally

• Dont hesitate to ask your doctor to be your
  advocate. Ask them where the best medical
  facilities are, and where they would recommend
  for any procedures you need.

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2. Compare costs by using the CPT code.

• CPT code stands for Current Procedural
  Terminology. Make sure you have this handy when
  calling the finance department,to make things run
  very smoothly.

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3. Find friends in the billing department.

• Make sure you research the different medical
  centers recommended by your doctor, and any that
  you find on your own. Make sure you know how much
  the procedure is going to cost. You may have to
  be a little persistent to get the information,
  but you will want to know before scheduling an
  appointment.

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4. Negotiate lower prices and payment arrangements

• See if one hospital will match the procedure
  price of another if you find it cheaper at a
  competing hospital. By doing this you may be able
  to get the price you like, while also staying at
  the hospital with the best facilities. Check as
  well to see if they offer payment plans to help
  out those suffering financially.

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5. Ask if recommended services are necessary

• Although a doctor may recommend a certain
  service, dont assume it is essential. Ask if it
  is necessary.

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6. Explore state-sponsored hospital Web sites

• An act called Health Care Price Transparency Act
  passed in 2006 allows citizens to know the
  average prices of various procedures.

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7. Check your insurance companys Website, too

• Some insurance providers now list out-of-pocket
  maximums online. This is convenient to look at,
  so you can calculate the price of the procedure
  based on what the hospitals websites say it will
  cost, and what your insurance company will be
  paying.

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8. Ask for Medicare rates

• Dont be shy! Ask the hospital about their
  medicare rates if you are having trouble coming
  up with the money to pay for procedures.

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9. Go Generic

• When looking for prescriptions check the prices
  of the generic brands. You may be surprised to
  find that they are just as effective as name
  brand drugs and are very similar in result.

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10. Sweat the small stuff

• Think of the small things while staying in the
  hospital. Bring in your own items, such as
  toiletries and prescriptions. Be aware that
  complications in surgery will end up costing you
  more. Know that a procedure price is able to
  change if the circumstances do.

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