Our goal at HSA for America is pretty simple: To make healthcare easier and more affordable for everyone. But there’s another goal that we’ll never stop pursuing, and that is to help our clients fight for their constitutional healthcare freedoms.
Here are 7 ways that you can get started:
1.) Don’t be afraid to get a second (or third) opinion
First things first: Your doctor is not always right. Even they will openly admit that, although, they will rarely admit it to your face.
It doesn’t matter whether it’s a matter of mistrust or if you just want some added confidence. Seeking a 2nd or 3rd opinion is never inappropriate. We’ve just been conditioned to think that way, and it’s time to knock it off.
2.) Demand price transparency
For decades hospitals have gotten away with keeping their prices under wraps. This is why we sometimes don’t know how much a procedure is going to cost until it’s all said and done. This kind of shady, underhanded practice has got to stop. The way to stop it is to demand price transparency at every turn. If a doctor or care provider can’t tell you what it’s going to cost, then you simply can’t trust them.
3.) If your doctor won’t prescribe the “off-label” medication you need, find a new doctor
“Off label” prescribing is when a doctor gives you a medication that is intended for a different illness or condition. This is a pretty common practice, and in fact, it’s estimated that 1 in 5 prescriptions these days are for off-use purposes.
But as you well know, there are quite a few doctors out there that refuse to listen to anyone but themselves. If your doc won’t prescribe the off-label medication you need, it’s time to find a new one.
Compare Pricing on the Best Insurance Plans Available
4.) Use a Health Savings Account (HSA) to pay for medical expenses with pre-tax money
If there is one investment tool out there that can help people regain control of their healthcare dollars, it’s the Health Savings Account (HSA). HSAs are available to anyone who is enrolled in an eligible high deductible health plan (HDHP).
With HSAs, the money that you contribute comes from your paycheck, pre-taxes. It’s then allowed to grow from year to year on a tax-deferred basis. Then, when you use HSA funds for a qualified medical expense, the withdrawal is totally tax-fee.
Pairing a high deductible plan with an HSA is an incredibly effective way to plan for future health expenses. By maximizing your HSA contribution while also staying healthy, you’re creating a resource that will help shield your retirement assets from medical expenses.
Did you know: Even some Healthshare plans can be set up to work with an HSA. Talk to your Personal Benefits Manager for more info.
5.) Assert your “right to try” for experimental medications
If you’re living with a life-threatening illness, then you have a legal right to experimental medications. In recent years, legislation has made this easier and more accessible for people across the country. But if your doctor won’t help you get the medication you need, guess what? Time to find a new one.
6.) Don’t let anyone force you into a health decision that you don’t agree with
For years, hospitals, doctors, and insurance companies have been trampling over our healthcare rights, to the point where we’ve just gotten used to it.
From the type of health plan you buy to the medications that you’re putting in your body, never let anyone force you into a treatment or strategy that you don’t feel good about. When it comes to your health, you are the one that gets to make the final call.
7.) Get to know your Personal Benefits Manager
At HSA for America, every client is paired with an expert, house-trained Personal Benefits Manager. This is your go-to source for all things healthcare, from lowering your monthly premiums to helping you get started with a retirement strategy.
If you have questions about your healthcare plan, or if you’re just looking for something more affordable, give us a call. Our office number is 800-913-0172, and we can get you setup with a free consultation anytime.
Here are some additional articles on healthcare programs: Best Healthshare Plans Comparison Guide – 2021 Update | The Benefits of an HSA Plan: Why 2021 is a Good Year to Switch Plans
Wiley is President of HSA for America. He believes that consumers should have choice and price transparency, so they can make the best healthcare decisions for their needs. Read more about Wiley on his Bio page.