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Five Things to Do to Organize Your Healthcare

Five Things to Do to Organize Your Healthcare

January is our organizing month. In many cases, employer-based medical insurance begins on January 1st.  Open enrollment is in the fall and then in January consumers begin organizing or re-organizing their healthcare documentation. These are my top five things to do to organize your healthcare and are what I consider “must do’s” for January. These tips will help you stay organized, be efficient as you access and utilize you healthcare services, and in the end, possibly save you money. 

Five Things to Do to Organize Your Healthcare

1) Check your balance in your Health Savings Account (HSA) or Flexible Spending Account. (FSA).  Many employers contribute a lump sum into your HSA account at the beginning of the plan year. Double check that the contribution occurred in a timely manner. In addition, you may have HSA money that has transitioned into the new calendar year, or you may have deductions to the account that are clearing from December debits. Finally, if you are current HSA user, your annual 1099 statement will be mailed or emailed to you. Keep an eye out for this important document.

2) If you are new to insurance or have changed plans, search your plan and identify a Primary Care Provider you want to use for your basic care. Don’t wait until you are sick to try to go online and find a doctor. You may be more likely to use a more expensive alternative for your care, such as an urgent care or ER, than your primary physician.

3) Research and identify an urgent care or prompt care clinic that you can use after hours for non-emergency symptoms and illnesses. Again, don’t wait until you have a fever of 103 degrees to try to look on line for a provider in your network. In addition, take some time to research and talk to your doctor about when to make a regular doctor’s appointment, and when to use an urgent and when to use an emergency room for your particular condition or level of health.

4) Verify the dates of your last well visit and make an appointment if you can. If not, mark your calendar one month in advance of your due date. Insurance must now cover one well visit year so take advantage of that benefit and stay on task being accountable for making your appointment.

5) Update your prescription list and personal health record. As you are diagnosed with diseases and medical problems such as high blood pressure, write them in a book, record or electronic personal medical record and insure that you can take record with you when you go to the doctor. This is particularly important in going to the ER or Urgent Care as these facilities may not have access to your physician’s electronic medical record. Listing your medical history or prescription record off the cuff can be very difficult in an emergency situation and you may speak in error because of your illness. Also include your personal healthcare documentation with any changes including insurance provider changes, prescription providers, plan coverage provided by your insurance company. 

Did you find these tips helpful? What else do you do to organize your own healthcare records?

 

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