While the current economy has stripped jobs — and therefore health insurance benefits — from many workers, there are still more than 200 million insured Americans. And more than ever before, they need your advice and good counsel on how to cost-effectively use their benefits.
One of the ways you can be a helpful partner to your clients is by advising them that now is not the time to cut back on doctor visits in hopes of saving the immediate cost. That’s because delaying care now can often result in more intense future treatment, with an even greater financial, health, and emotional impact. We’ve all heard horror stories like the one about a patient with a nagging cough who ignores their symptoms and eventually winds up in the hospital with pneumonia.
The overall point is that proper health insurance protects individuals from many of the financial consequences of care and hospitalization, and it is possible — even simple — to use health benefits while simultaneously keeping a lid on out-of-pocket expenditures.