1. Employer Rewards For Healthy Habits
A recent study indicates that 22% of companies will offer incentives to encourage employees to take care of their health. By 2016, 64% of companies plan on rolling out such a program. My employer offers cash incentives for joining work sponsored weight loss programs and discounts at local fitness clubs, it may be little, but add up a lot if it keeps you healthier and away from doctor visits and co-pays.
2. More Mistakes on Claims
Insurance companies are denying fewer claims, however human errors are on the rise. Do not assume that because you have been reimbursed for a claim, that it is the correct amount. Double check it and notify your insurance company for any errors. I am constantly calling our doctor's office and insurance company to question charges and payments. Recently our dentist charged my husband for x-rays he never received! I would have paid for it had I not read the line items on the statement!
3. High-Deductible Policies
To cope with rising insurance costs more people are opting for policies that have lower monthly payments but higher deductibles. If you are healthy then this may be a good idea. I am however very careful and still carry an expensive HMO plan. With a husband and three young kids on my policy, one bad trip to the emergency room with a hospital stay could definitely add up. Be cautious in choosing your policy and make sure it is best for you and your family in the long run!