Healthcare costs scare people. They can be small prescriptions or extensive therapy sessions; either can cause anxiety. Anyone over 50 knows that the cost of staying healthy can be high.
Be a proactive consumer
People often feel put off by paying hefty sums and instinctively reach for their credit cards to pay. That attitude doesn’t make things any easier. What a person should do is become a proactive consumer. There is nothing wrong with asking questions or asking for alternative solutions. Consultation with a healthcare provider should be two-way.
For example, instead of automatically agreeing to buy brand-name drugs, a person might ask if there is a generic alternative. Medical treatments and minor surgeries can be scheduled so that the deductible is met and the insurance pays a portion. Some physiotherapy can be done at home and not in a healthcare facility.
A person needs to know the available options to gain control over the costs. There may be government programs to help with expenses. Knowledge is the best way to protect financial well-being.
Nationwide Prepaid Legal Services understands the anxiety that medical bills create. We believe good advice helps with medical bills. In addition, we have a financial wellness benefit that generates positive results.
The best advice is shared
Countrywide has a nationwide network of certified advisors to help with common money matters. We have an advisor in the community for every nationwide client. Offering sound advice on medical expenses is one of our financial well-being.
A nationwide advisor discusses financial options with a plan member. Some of the topics discussed are ways to negotiate medical bills and how to structure reasonable payment plans. The primary goal will be to help a plan member maintain financial well-being.
The advisor can go a step further to help with medical bills. A budget analysis of the plan member’s finances can identify areas where the plan member can trim expenses to make extra money available. A nationwide advisor can highlight how to get discounts on medical fees and wellness programs that can reduce premiums. Financial Wellness Plan members get a better handle on how to meet the challenge of spending with an advisor’s guidance.
Our customers play an important role
Countrywide believes that input from a customer is crucial to providing a practical employee benefit. We believe that potential customers know more about their employees than we do. The management’s input is therefore requested.
Nationwide will develop the benefit with an employer. First, all the benefits options are shown to management and we explain each one in detail. Any questions a potential customer may have are taken seriously and answered as soon as possible. We then ask the organization to make some decisions about what benefits will be in the plan. The choices they make are included in the final document. Nationwide will provide administration and membership services.
One of these favors is courtesy and empathy. Medical bills shock the system, and a plan member sometimes becomes frantic to pay. We listen carefully to what the individual has to say and only then do we give advice. Nationwide will be listening. Suggestions based on an individual’s situation are offered and that person decides the final course of action. We will never force our opinions on anyone.
The result is better control over healthcare costs and a more optimistic attitude towards future costs. We pride ourselves on our member-sensitive services and the advice we give is the best. If you have any questions about our financial wellness plan, please feel free to contact us as soon as possible. Medical bills don’t have to be scary monsters. We can help a person take care of them.