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Wednesday, April 3, 2013

It's Your HSA money

As you all know, we love health savings accounts!  We’re constantly keeping our ear to the ground to stay aware of the “latest and greatest” tools and trends available to help people get the most out of their HSA.  The good news, is the consumer-driven healthcare industry is exploding with innovative ideas, products and services to help solve some of the challenges people are facing with their health insurance policies and/or HSA/FSA/HRA plans. 

Sometimes these programs/services cost money, and sometimes they’re completely free…which is exactly what we wanted to focus on in this post!  Here’s a quick review of 3 of our favorite free tools and services to help you get everything you can out of your consumer-driven healthcare plan and specifically, your health savings account.

Simplee#1: Simplee:  Simplee is a free online service that does exactly what its name says it does…makes all your complicated healthcare and insurance information “simple”.  Just create your free account at their website, and tie in any relevant services you need to simplify…like your health insurance account and/or your health savings account information.  By doing this, you are essentially creating one “hub” where you can login and view all your information in one place.  Simplee takes it from there.

They display all the information in each of these accounts in very visual, easy-to-understand charts, and graphs, and lay out complicated insurance jargon in simple everyday terms.  Need to better understand your “Explanation of Benefits” (EOB)?  Or need to see what services are covered and what services aren’t?  Login to Simplee and check.  Need to track your medical bills for the year and see how close you are to your deductible?  Log in to Simplee and view one of the many charts or graphs for a quick update.  You can even pay those medical bills directly from within Simplee by tying in your credit card.

Screenshot from Simplee Dashboard

Simplee Dashboard

This is brilliant idea, and they do it very well.  It’s easy to understand why they’ve filled a huge void in this industry by empowering the consumer, which is exactly what consumer-driven healthcare and health savings accounts are all about.  They are an excellent service, and we highly recommend them.
 

Healthcare Blue Book#2: Healthcare Blue Book: One of the major cornerstones to consumer-driven healthcare and health savings accounts, is that the consumer is supposed to be in charge of their healthcare spending.  When you’re looking to go to the doctor for a procedure, you should be well aware of what is covered by your insurance (see Simplee above) and how much each procedure should cost.  This affords you a couple luxuries: comparison shopping, and peace of mind you’re not being overbilled.  But how can you possibly do any of that without knowing what these procedures actually cost?  This is where Healthcare Blue Book comes in.

Screenshot from Healthcare Blue Book

Healthcare Blue Book Homepage

Just visit their website, and put in whatever procedure you need to get at the doctor’s office.  They have quite an extensive list of procedures, and you can even specify the pricing down by your zip code if you want.  So, from the homepage, either type the procedure in the search box or narrow your search down using the category tabs at the top (Hospital, Physician, Dental, etc.).  Put in anything from flu vaccines to full coronary bypass surgeries, and get a detailed pricing list of that procedure’s fair market value.  At this point, you can even print off a “detailed pricing agreement” for both you and your physician to sign, solidifying the amount you’re both willing to agree on for that individual procedure. 

It’s important to remember that because you’re utilizing your health savings account, and paying upfront or in cash, the doctor’s office doesn’t need to worry about billing you.  This gives you some leverage and some flexibility in the price negotiations for your doctor’s office visit.  For some strange reason, even the most seasoned health savings account holders still sometimes don’t realize that healthcare costs are negotiable!  Be sure to remember this when you’re headed into your doctor’s office next time.  Armed with healthcare blue book, you’ll be sure you’re getting a fair market value, and you won’t be overbilled.

Free Healthcare Discount Card#3: Free Healthcare Discount Card: Ok, we may have a slight bias on this one, but it is something that can save you an exorbitant amount of money nonetheless.  This last item is our Free Healthcare Discount Card, and it is available for anyone to print directly from our website.  This card instantly saves you up to 70% on Pharmacy, Dental, Vision, Hearing & Medical Lab Testing.  Just visit our website, and click on the program you’re interested in saving money on.  From there, you’ll be able to locate local providers by zip code and contact them to see how much you can save on that procedure at their office.

Let’s take a prescription you need filled, as an example.  Visit our website, click on “Pharmacy” and then navigate to “Locate a local pharmacy”.  You can put in your zip code to find all the pharmacies that support the program in your area, and type in your actual drug name to get pricing on your prescription.  We’re willing to bet you’ll be pleasantly surprised by how much you’ll save on almost any prescription you’ve got, even against any pharmacy discount card provided to you by your insurance carrier.

Screenshot of Pharmacy Locator

Pharmacy Locator and Prescription Pricing Tool

I personally experienced this myself not too long ago, at a local Rite-Aid here in Boise, ID.  I had a seasonal allergy and needed to get a prescription filled.  I handed both my insurance carrier’s discount card and American Health Value’s discount card to the pharmacist and told her to run both to compare the discounts. 

The findings were as follows: with no insurance (neither card) I would have paid roughly $120.  With my insurance carrier’s card, I would have paid in the ball park of $70.  With American Health Value’s discount card, I paid $29.  This is because we have a direct relationship with these healthcare/pharmaceutical providers and we’re not skimming off the top, which results in substantial savings for anyone that carries this discount card.

Prescription Pricing Table

Look at it this way, the cash price was $120, and the insurance carrier’s price was $70, making you think you get some great discount for carrying your policy’s “pharmacy discount card”.  Which really makes you wonder where the difference between the $70 and the actual cost of the drug, which was $29, ends up doesn’t it?

Jump out to our website to learn more about the programs, to locate participating local providers, and to print your free healthcare discount card today!  You can even share it with friends and family, or pass it along to the less-fortunate, as there’s no insurance policy or HSA required to use it.

That sums up our 3 favorite tools for helping you get the most out of your health savings account.  We hope you found something new in this post you can utilize, and as always, we appreciate your feedback!  Is there a free service you’re aware of that we didn’t mention?  Have any thoughts on the ones we spoke about?  Let us know in the comments below!


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Posted by HSA Admin at 4/3/2013 9:32:00 PM
Tuesday, November 13, 2012

Dental Pain, Dental Discount Card

Going to the dentist can be painful, both in the mouth and the pocketbook.  As everybody is aware, dental services are never covered under your health insurance policy...which means you typically can choose 1 of 2 options:

Buy More Insurance!
  • More specifically, dental insurance.  This is a supplemental policy with additional monthly premiums you have to pay, to then get the "luxury" of paying less (in the form of a percentage discount) overall at the dental office when you go.
I love insurance!

 

Bite the Bullet!
  • Head into the dental office and pay the retail value of the procedure, which is always considerably higher than the amount quoted to someone with dental insurance.  Typically, you can get a small "no insurance" discount off the retail cost if you ask for it, so be sure to do so if you go this route.
Bite the Bullet

 

As far as we're concerned, these aren't options...which is exactly why we went out and did something about it.  Welcome to Option Number 3:  American Health Value's Free Healthcare Discount Program.

 
This is a free program that gets you huge discounts on Pharmacy, Dental, Vision, Hearing & Medical Lab Testing.  There is no catch, there are no fees, no premiums or start up costs, and the free healthcare discount card is printable directly from our website for immediate use.
 
Click to learn more about all the different programs available with the Free Healthcare Discount Card.
 
Free Healthcare Discount Card
 
 
However, in this post we're talking about the cost of dental work...so back to how you can save some money at the dentist:
  • Free Dental Discount Card:
    • Print the free card, locate a participating dentist by zip code, & save up to 50% off dental services.  It's that simple.
We were curious as to exactly how much each scenario would cost, and more specifically, how much money our free dental discount card would save somebody at the dentist - so we conducted a little experiment.
 
We found a local dental office that accepted dental insurance, walk-ins with no insurance, and our free discount card.  We simply called them up and asked for price quotes on the exact same procedure, from the same dentist, for each of the three payment options.  Here's what we found:

 

The Cost of a Crown

Looks like our free dental discount card stacked up pretty well to say the least...

 
Let's take a look at some additional common dental procedures and the free dental discount card's average savings:
 
Dental Discount Savings
 
As you can see, this free card packs a pretty serious punch.  If you don't have dental insurance, this card will significantly help to alleviate some of the burden of dental costs for anyone that uses it.
 
Share on Social Media
 
 Head out to our website to print the card or locate a participating dentist in your area, and feel free to share this card with anyone who can use it.  Click the social media buttons below to share/forward the link to get it in the hands of employees, friends, family, whoever you think could benefit.
 
Please know we're always here to help, so if you have any questions don't hesitate to visit our website or give us a call.  We know everyone is watching their expenses, and hopefully this card is able to provide you some significant health care savings in these unpredictable times.

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Posted by HSA Admin at 11/13/2012 7:39:00 PM
Thursday, June 21, 2012

Eye Chart

 Avoiding the eye doctor because it's too expensive?  Believe me, you're not alone.  The exam often runs a couple hundred bucks, not to mention the glasses and/or contacts you're going to need to buy.  "Who has the money to pay for this stuff?"  "It can wait awhile; my vision isn't getting any worse..."

 If this sounds like you, then we've got some great news.  Vision care is part of our Free Healthcare Discount Program, and printing off our discount card can save you as much as 50% off the cost of exams, glasses, contacts, & even surgical procedures like LASIK!  You can get these discounts at over 11,000 national & regional eye care centers, like:
 
  • Pearle Vision
  • LensCrafters
  • Eye Masters
  • JC Penny Optical
  • Sears Optical
Funny Kid with Glasses
 
Don't see one near you?  Locate a participating vision provider in your area!
 
Here's a graphic that represents some examples of the discounts you can expect to receive on eyeglasses:
 
Vision Discount Savings Chart
 
 
Head out to the Vision Discount page for more information, or to locate a participating vision provider in your area.  Or check out the Free Healthcare Discount Program Overview for more information on other free programs like Pharmacy, Dental, & Hearing.
 
American Health Value now makes it easier and more affordable than ever to retire those old frames and give both your vision & your look an upgrade with our Free Vision Discount Program!  Print your free card & see how much you can save!

Vision Discount Program Upgrade


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Posted by HSA Admin at 6/21/2012 7:31:00 PM
Wednesday, March 7, 2012

Free Healthcare Discount CardWe've decided to write a series of blog posts to help get the word out on our Free Healthcare Discount Program, because it is truly something that is available to help anyone and everyone, insurance or not.

We all know the cost of health care is going through the roof, and everyone can appreciate saving some money.  This is a free service we offer to anyone who needs it.  It has been handed out to numerous churches, school districts, non-profits, and businesses and organizations of all shapes and sizes.  There is no catch, no strings attached, you don't even need to provide an email address to get it.
 
The discount card is 100% free, printable, instantly activated, works for anyone regardless of insurance coverage (or lack thereof), and you DO NOT have to be one of our HSA clients. 
 
Once you print the card, you're instantly getting savings up to 70% on the following programs:
 
Free Healthcare Discount Programs
Just click the image above or visit our Free Healthcare Discount Program Overview page to locate a provider in your area for any of the programs.

For example, let's say you need to get a prescription filled. 

All you need to do is visit our website, click the "Pharmacy Discounts" button and put in your zip code to locate a local pharmacy.  In addition, you can even put in the drug and the dosage to see what it's going to cost at all your local participating pharmacies for price comparison!
 

Pharmacy Discount

Same thing for every other program.  If you need to have an MRI, if you need new glasses, if you need a dental checkup - just visit our website and find a participating provider in your area and check pricing.  All the participating providers are listed, and all their discounts and offers are available from the website so you know what you're paying before you get there!


Here's some of the highlights of our Free Healthcare Discount Program:
  • Free:  No monthly or administrative charges
  • Savings up to 70%:  Depending on program, provider, and service
  • No Limits on Usage:  No termination dates or usage limits
  • Convenient:  Simply print the card and present to participating providers
  • Everyone Qualifies:  No pre-existing condition restrictions
  • Entire Household:  One card can be used by your entire household  
Click to visit our Free Healthcare Discount Overview page to get more details, or simply print the card from here.

Take advantage of these free discount programs!  Use them yourself, or share them with friends, family or someone who needs it by using the social media links below!

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Posted by HSA Admin at 3/7/2012 7:30:00 PM
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