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How to combat the high cost of healthcare
One of the biggest expenses for most U.S. families is the cost of healthcare. This has become a contentious issue since the advent of Obamacare or the Affordable Care Act. However, there are ways to fight this cost and the first is to pick the right policy. Make no mistake about the fact that this will take time and effort. Here's one example of this. People in Fort Lauderdale, Florida have a choice of 94 plans through the Affordable Care Act. You will need to find a policy that includes your medications, your doctors and that provides help with any chronic conditions you might have.
Second, be sure to know what your health care insurance covers. The time to carefully review your policy is before you need it. You need to know about emergency room visits, co-pays and coinsurance for procedures. And be sure to check bills and insurance company statements for errors. Even if you have one of the best health insurance policies you could end up getting bills for procedures that should have been totally covered. One little mistake in a medical coding could be the difference between a mammogram where there was no copay and one where you’re billed $600.
Finally, don't be afraid to negotiate big bills. If you have a complicated procedure
get an itemized bill before leaving the hospital. Assuming there are no errors you should ask the hospital's billing department about a possible discount for paying cash, financial aid or a payment plan. If you have a large number of big bills you might consider hiring someone to negotiate for you.
Here's a short video that explains more about negotiating medical bills and how an advocate could help.