{"id":2042,"date":"2022-05-23T19:54:51","date_gmt":"2022-05-24T00:54:51","guid":{"rendered":"https:\/\/ameriplanstage.wpengine.com\/?p=2042"},"modified":"2022-05-23T21:07:18","modified_gmt":"2022-05-24T02:07:18","slug":"health-savings-plans","status":"publish","type":"post","link":"https:\/\/www.ameriplanusa.com\/health-savings-plans\/","title":{"rendered":"The Benefits of Health Savings Plans (Even If You&#8217;re Already Insured)"},"content":{"rendered":"<p data-pm-slice=\"1 1 []\">If you are new to the idea of a health savings plan, you may jump to the conclusion that such plans are best for those without medical insurance.<\/p>\n<p data-pm-slice=\"1 1 []\">While the uninsured can undoubtedly benefit from a plan that gives them immediate savings on out-of-pocket costs for medical care, dental care, and prescription drugs, the insured can benefit from it.<br \/>\n<!--more--><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ameriplanusa.com\/health-savings-plans\/#How_High_Deductible_Insurance_Coverage_Backfired\" >How High Deductible Insurance Coverage Backfired<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ameriplanusa.com\/health-savings-plans\/#Help_for_Families_With_High_Deductible_Health_Insurance_Plans\" >Help for Families With High Deductible Health Insurance Plans<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ameriplanusa.com\/health-savings-plans\/#Heres_how_a_health_savings_plan_works\" >Here&#8217;s how a health savings plan works:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ameriplanusa.com\/health-savings-plans\/#Interested_in_Learning_More_About_Health_Discount_Plans\" >Interested in Learning More About Health Discount Plans?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_High_Deductible_Insurance_Coverage_Backfired\"><\/span>How High Deductible Insurance Coverage Backfired<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The introduction and proliferation of high deductible health plans, particularly in connection to the <a href=\"https:\/\/www.healthcare.gov\/glossary\/affordable-care-act\/\">Affordable Care Act<\/a> (ObamaCare), was supposed to encourage health care utilization by the people who need it most. However, recent studies have indicated that high deductible plans have done just the opposite.<\/p>\n<p>Because of the higher out-of-pocket demands these plans have created, many of the insured are passing on accessing lower-cost medical procedures, even though they may be necessary or at least advisable. As a result, families are not receiving essential health procedures to <a href=\"\/mri-scan-vs-ct-scan\/\">prevent future medical problems<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Help_for_Families_With_High_Deductible_Health_Insurance_Plans\"><\/span>Help for Families With High Deductible Health Insurance Plans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>With that fact in mind, we ask that you consider the use of <a href=\"\/discount-health-care-plan\/\">discount healthcare plans<\/a> for people with high deductible medical insurance plans.<\/p>\n<p>These medical discount programs do not have a deductible (and many have no waiting period!), but they reduce the cost of necessary procedures by as much as 80% or more.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Heres_how_a_health_savings_plan_works\"><\/span>Here&#8217;s how a health savings plan works:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The patient selects an approved healthcare provider from their local area. They present their <a href=\"\/discount-medical-card\/\">medical service discount cards<\/a> at the time of service to receive a discounted rate. The patient pays the provider at the time of the service.<\/p>\n<h4>Your savings will pay for the plan<\/h4>\n<p>These discount plans are affordable. In fact, they often pay for themselves with the amount the family saves on medical visits or prescriptions.<\/p>\n<p>But, more importantly, these savings increase the likelihood that even those who already have <a href=\"\/\">health insurance<\/a> will utilize the lower-cost medical procedures recommended by their physicians.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-fusion-600 wp-image-2046\" src=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings-600x400.jpg\" alt=\"healthcare savings plan\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings-200x133.jpg 200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings-300x200.jpg 300w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings-400x267.jpg 400w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings-600x400.jpg 600w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings-768x512.jpg 768w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings-800x534.jpg 800w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings-1024x683.jpg 1024w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings-1200x801.jpg 1200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/05\/health-insurance-savings.jpg 1253w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p>In other words, a person with a medical services discount card is less likely to say &#8220;no&#8221; to lab tests, imaging, and other lower-cost procedures.<\/p>\n<h4>Medical discount cards can save the insured more money<\/h4>\n<p>So, while health savings plans are often seen as a replacement for unaffordable health insurance, they can help the insured save even more money \u2013 especially in a world where high deductible health plans are the norm. After all, check-ups, lab tests, and preventative procedures can reduce the likelihood of high-cost health emergencies and hospitalizations, which will reduce your ability to earn a living.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Interested_in_Learning_More_About_Health_Discount_Plans\"><\/span>Interested in Learning More About Health Discount Plans?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Do yourself a favor and crunch the numbers. Learn about how medical services discount cards can help you save on your family&#8217;s health care costs.<\/p>\n<p>Are you not sure where to start? Visit\u00a0AmeriPlan for help. For less than the amount you pay each month on your streaming services, you will receive discounted rates at area medical facilities, including your <a href=\"\/dental-plus\/\">dentist<\/a> and eye doctor. Additionally, you will save money on your prescription drug costs at your pharmacy.<\/p>\n<p><a href=\"\/contact\/\">Contact AmeriPlan today<\/a> to learn more about our award-winning health savings plans.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are new to the idea of a health savings plan, you may jump to the conclusion that such plans are best for those without medical insurance. While the uninsured can undoubtedly benefit from a plan that gives them immediate savings on out-of-pocket costs for medical care, dental care, and prescription drugs, the insured [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":2043,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-2042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medical-discount"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Benefits of Health Savings Plans (Even If You&#039;re Already Insured)<\/title>\n<meta name=\"description\" content=\"If you&#039;re new to health savings plans, you may assume that these savings plans are only for those without medical insurance. 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