Secrets to Affordable Health Insurance (Part 3)
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• Medication is another area that you need to look at. Even if prescription costs are rising daily, most medication today have generic form, and many health insurance plans have low co-payments and zero deductible for generic drugs. Also try to find out if you can order your ‘maintenance drugs’ (these are the ones that you are taking for some time, and the dosage has not been changed) in bulk – like a 90 day supply for example – to cut a lot of costs.
• Finally, consider a health savings account (HSA). This plan can be very straightforward as you meet the deductible whether for an inpatient or outpatient treatment.