5 Beneficial Ways To Save Money On Health Insurance

Health insurance is a must-have for you and your family. Without it, costs for healthcare can be astronomical, even when it comes to routine checkups and prescription medications. But insurance itself can be pretty costly if you are paying for the entire monthly premium out of pocket. Luckily, there are some things you can do to effectively save some money on your premiums, co-pays, and other fees throughout the years. Here are five of the most common methods to consider:
Get Regular Checkups

Simply put, routine checkups will lower your overall risk of having to face high medical bills later down the line. Regular checkups provide the immunizations necessary to ensure that your child does not develop any serious illnesses, which can be quite costly and stressful when all is said and done.

Take Advantage of Special Services

Many health insurance providers offer special services for people with ailments that are ongoing, such as allergies. These services include things like discounts on medication, informational newsletters, and access to free or low cost preventative care. Customer service representatives can point you in the right direction toward the lowest cost medications and home healthcare equipment too.

Carefully Read Your Medical Bills

Errors on medicals bills are more common than you might think. It’s important to read each item on your bill to ensure you understand what the services are that you are being charged for. All it takes for a discrepancy is for an incorrect billing code to be added to your services. You’ll also need to carefully read your policy terms to ensure that your health insurance company is paying everything that it should. If you do find a discrepancy, it is important to contact your provider immediately.

Don’t Be Afraid to Appeal

Just because your service provider refuses to pay a claim does not mean you have to accept their answer. If you think you fairly deserve compensation for medical services rendered, don’t be afraid to make a formal appeal. You can even contact your insurance commission if you are denied a second time, and they will mediate your dispute with your service provider. The work of appealing is well worth it because if you win, you could potentially save yourself hundreds of dollars.

Always Stay Within Your Network

Make sure that the doctors you visit are within your specified network whether near your home or while you’re away. Many doctors make changes to the networks they participate in through the years so a specialty doctor you visited a couple of years ago may not be in your network today. Double-checking your network doctors before making an appointment can save you quite a bit of money, because out-of-network doctor visits are typically not covered in insurance policies.

Overall, it’s important to pay close attention to the specifics within your policy to make sure that you are following all of the rules and regulations of your organization. This will help you to make sure that no unnecessary costs are accrued throughout the years due to the neglect or oversight of any party that is involved.

How To Know If You Have Hired The Right Advertising Agency

The business world is a tough place for even the toughest folks. Just about everything is working against you, which is why hiring an advertising agency that gets the job done is such a blessing. It’s one less thing you have to worry about, and understand that being in business means worrying about more than you could have every imagined.
But hiring the right advertising agency for your business is another step that has to be navigated carefully. Should you hire the wrong agency, you waste time and money investing in worthless strategies, and you run the risk of doing irreparable harm to your business and its reputation. You’ve worked too hard for that to happen, so you need to be on your ‘A’ game when hiring an advertising agency to handle things.

How do you know you’ve made the right hire? Here’s a checklist to keep close at hand:

Maintaining Contact with You — A good ad agency maintains regular contact with its clients so that everyone is on the same page, especially if changes in strategy should arise. Nothing brings more anxiety than being in the dark about something, especially your own business.

Agency Will Push Back & Disagree — It can be nice to have “Yes” men around you, but it can be incredibly harmful to your business. You need occasional resistance from someone so that you know that things aren’t quite right & can be addressed ASAP. The same goes with an ad agency. You may have a vision, but said vision may be flawed. The right agency will not be afraid to tell you this. Of course, it bears mentioning that you don’t want to be chastised & rebuked every time you make a suggestion. It’s your business after all.

Similar Values and Cultural Fit — Professional sports teams always talk about chemistry in the locker room. Businesses are the same way. You want an advertising agency that fits well & gets ‘it’. Everyone clicks and all parties are on the same page. Visions align, and the right ad agency becomes part of the fold.

Experience with Businesses Like Yours — Ultimately, though, you need to find out if an advertising agency actually has experience getting results for businesses like yours. They may have a great track record, but your business might have unique characteristics that demand more from an ad agency than the usual client. If that experience isn’t there, you might not be interested in an agency learning “on the job” with you as the guinea pig.

In reality, your approach to hiring an advertising agency is the same as interviewing an prospective employee. You have to run them through a gauntlet of questions and see what they bring to the table. Can they handle constructive criticism? What can they say regarding less-than-ideal parts of their record? What sets them apart from everyone else? It can be an exhaustive search and one that does not come easy. Still, if you know that you can’t handle advertising duties and having someone in-house to handle them might not be feasible, an advertising agency may be the best way to go, so choose wisely.