5 Common Healthcare Mistakes and How to Avoid Them
Healthcare can be confusing and complex. When you’re sick and need care, the only thing on your mind is getting better. We’re here to tell you that by taking a few simple steps, you can save money.
The infographic below outlines 5 common healthcare mistakes and gives tips for how to avoid making them yourself.
Be sure to keep scrolling down below the infographic for more great tips on these 5 topics.
Mistake #1: Using an Out-of-Network Specialist
You’re having some pain in your ankle so you go see your regular doctor. She thinks you should get an opinion for an orthopedist, so she recommends Dr. Lane. You don’t even think twice about it. You call and schedule an appointment with Dr. Lane.
After your appointment, you start getting all of these crazy medical bills for an out-of-network specialist! If you don’t use an in-network doctor, you’ll ALWAYS pay more. And if your health plan doesn’t have an out-of-network benefit, you’ll have no coverage and will end up paying 100% of the bill.
Mistake #2: Choosing an Unnecessarily Expensive Provider
Did you know the price of an MRI can range from $900 – $5,500 in your own city? Similar to what we talked about above, you need to pay attention to where you are receiving care.
Most of the time, non-hospital based providers are less expensive. For example, choose a free-standing MRI center over a hospital-based MRI center to save money.
Mistake #3: Using a High-Cost Prescription Just Because
There’s a common myth that more expensive prescription drugs are of higher quality. This simply isn’t true. There are a lot of generic drugs on the market right now. Generics are a great alternative, allowing you to stay compliant with your prescriptions while you save money.
Next time you’re at your doctor, ask if there’s a generic available. There are also many $4 programs. Check these to see if your drug is on the list.
Mistake #4: Paying a Medical Bill Without Double-Checking It First
Did you know 50-80% of all medical bills have errors? These errors could cost you anywhere from 10-20% more! Healthcare is already expensive enough, you don’t need to pay $1 more than you owe.
Here are a few quick things to check before you pay a bill:
Is the patient name correct?
Is the insurance information up-to-date?
Are the dates of service correct?
Is the name of the provider correct?
Mistake #5: Make Sure You Get Any Needed Pre-Certifications
Some plans require a referral, approval, or pre-certification before you see a doctor or receive treatment. If you don’t get the proper approvals in advance, you could pay full price. Don’t let this happen to you.
Always check with your plan to make sure you’re doing everything you need to before care.
Note: You probably don’t have to worry about this if you’re just seeing your regular doctor for a sinus infection. This would apply more if you’re seeing a specialist or getting a CAT scan done.
Have you made any healthcare mistakes that ended up costing you more money?