Part of the reason for the outrageous health insurance premiums in Florida is that no one shops their medical procedures. This means that if you need a colonoscopy you call your doctor he tells where, when, and who to go to. This will mean that your health insurance company will end up with the brunt of this expense, or you will and it will be applied toward your deductible.
health costs rising
Nowadays due to the escalation of health insurance premiums we all have very large deductibles, this means that you are paying for all your medical procedures in most years and since you are paying as opposed to your employer and/or insurance company you better get smart and start shopping! This will make everyone more honest and help keep premiums down and thus make more people eligible for medical coverage.
Firstly if you going for blood work or a more advanced treatment or diagnostic make a few phone calls yourself or use the internet to make sure the test is even necessary as many doctors simply don’t care. Secondly, after getting pricing Blue Cross Blue Shield of Florida has released the following tool which will make it easier to shop your procedure. The following is from an email from blue cross describing a tool that we already have ECHealthInsurance. If you are unsure of a given procedure’s cost call us at 888 803 5917 so we can tell you how much it is in your county from various facilities and more importantly from the neighboring counties which will can be sometimes 30% cheaper with a distance of only a few miles!
Using Care Comparison, members can access total estimated cost ranges associated with approximately 39 specific medical procedures performed at more than 2,800 local hospitals, outpatient surgery centers, free-standing radiology facilities or other medical facilities. In addition, BCBSF will soon be adding another 23 procedures to this already extensive listing. With the addition of this innovative tool, BCBSF and the other participating Blue Plans can now offer access to valuable quality and cost information to more than 48 million Americans. Your clients and customers will now be able to make more informed health care decisions based on this extensive repository of claims quality and cost information.
Additionally, the Blue Cross and Blue Shield Association (BCBSA) has selected Care Comparison as its standard methodology for a national transparency solution that will be made available to all Blue Plans.
You can access all our shopping tools by calling us at 888 803 5917 or by visiting our soon to be updated section on this.
