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10 ways to save on health care costs in

Kentucky Saving money with Anthem Blue Cross Blue Shield

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1. Ask your doctor to be your allyDon’t 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, don’t 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 company’s 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

Don’t 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. Toll Free: 1-877-549-

1212www.kyfreehealthquotes.co

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