You have to become CEO of your own health care. Itís important to take charge.
- First, you should know and understand your health care benefits and payment responsibilities. If you need to enlist help, do so. Human Resources, personnel, and the customer service division of your insurance carrier can help answer your questions. You should know the following questions:
- What are my co-payments?
- How are prescriptions paid for and what pharmacies can I use?
- Do I need to get a referral from the insurance company or my primary care doctor before seeing a specialist?
- Do I need a primary care doctor?
- Whatís the cost of emergency services? Hospital stays? Surgeries?
Is there an annual deductible?
- When dealing with a chronic condition, you need to see your doctor more often. You may need to have your blood levels tested or medicine adjusted, or just have your symptoms checked with more regularity than those who donít have chronic conditions.
- Keep track of your prescriptions, including refills. This is not always so easy, especially if much medication is required. Some benefit plans requires the use of a mail-order prescription service. For that, you require a long-term prescription, written out by your doctor. You mail it in, usually with a co-payment, and receive the medications by mail. Usually, a long-term prescription is cost effective.
Other plans require that you fill your prescriptions with certain local pharmacies. You need to know which ones or you may have to pay for your prescription in full.
If you do not have a prescription plan, many pharmacies have a list of discounted medications for as little as $4 for a month supply. You may pick up a list from your local Wal-Mart, Walgreens, or Kroger pharmacy or download a list from their website to take to your doctor.
- In order for you to be a responsible CEO of your health care, you should also strive to practice healthy habits. Healthy practices include the following: proper nutrition, regular exercise, abstinence from drinking and smoking and more.
If you follow these tips, you just may find yourself not only living with a chronic condition, but Ďliving wellí with it.