Everyone knows that taking care of yourself is critical for your physical health and well being. But you might be worried that staying fit means having to break your budget. Well, I have good news! There are some excellent ways you can stay healthy and also save money.
This episode will cover eight health and fitness tips you shouldn't miss. You'll learn about relief enacted to help Americans cope during the pandemic and how to use various medical savings accounts and tax deductions. Discover ways to cut the cost of healthcare for you and your family.
Here's what you need to know about each of these money-saving tips.
Tip #1: Max out your health plan benefits
Your health insurance benefits and deductibles get tied to an annual schedule. That means you need to pay attention to the calendar to max out your benefits.
For instance, if you burn through your health insurance deductible by October and need more covered medical services or products, be sure to get them before the end of the year. Once you reach your annual deductible, your best strategy is to have your insurer cover as much of your medical expenses as possible.
If you wait to schedule a medical service until the following year, your deductible resets, and you'll have out-of-pocket costs until you reach your deductible for the current year.
When your health plan comes with capped benefits -- such as a limit on physical therapy sessions or dental work -- it's wise to spread them out over two years, if possible. For example, you might schedule some services in December and some in January.
Also, don't skimp on your health plan's free preventative services, such as annual physicals, well-woman visits, mammograms, prostate screenings, dental cleanings, and eye exams. If you don't schedule those visits, it's like throwing money away and neglecting your health at the same time. Not a good combo!
I know going to medical appointments can feel like a hassle, but one way to reframe healthcare is to be grateful that you have insurance and access to quality care. Never squander the opportunity to improve or monitor your health, especially when it's a free service.
Tip #2: Consider telehealth services
Telehealth services aren't new, but the pandemic accelerated their adoption. Federal and state governments incentivized insurers to expand telemedicine capabilities, a win-win for health carriers and their policyholders.
For example, Blue Cross offered a $0 copay for medical and behavioral health telemedicine visits for a period, even though they aren't HIPAA-compliant. Having a virtual visit with a...
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