7 ways - 2of 2
4/ Some plans offer a hotline to a nurse or doctor, price checks on tests ordered by a doctor, or where to find the best deal on a prescription.
5/ Set aside pre-tax dollars. Use a flexible-spending account from your employer or a third party, such as a bank, to deposit pre-tax money for health costs' not covered by your insurance, such as deductibles and co-pays. Note that the maxiumum contribution to a flexible-spending account next year has been lowered to $2,500, from $5,000. Employers offering high-deductible plans may also offer a health savings account, in which pre-tax dollars can also be socked away — but while money in an FSA must be used by year's end, money in an HSA rolls over from year to year.
6/ Mix and match coverage. Your spouse or domestic partner may be offered less-expensive coverage by his or her employer. Or it maybe less expensive for certain family members to be insured through an individually purchased health plan. Note that employer-based plans are more likely to cover pregnancy.
7/ Review options for adult children.
Since 2010, the federal health-care law has allowed adult children to remain on a parent's health policy until age 26. But make sure children living in another state have access to in-network health-care providers.
5/ Set aside pre-tax dollars. Use a flexible-spending account from your employer or a third party, such as a bank, to deposit pre-tax money for health costs' not covered by your insurance, such as deductibles and co-pays. Note that the maxiumum contribution to a flexible-spending account next year has been lowered to $2,500, from $5,000. Employers offering high-deductible plans may also offer a health savings account, in which pre-tax dollars can also be socked away — but while money in an FSA must be used by year's end, money in an HSA rolls over from year to year.
6/ Mix and match coverage. Your spouse or domestic partner may be offered less-expensive coverage by his or her employer. Or it maybe less expensive for certain family members to be insured through an individually purchased health plan. Note that employer-based plans are more likely to cover pregnancy.
7/ Review options for adult children.
Since 2010, the federal health-care law has allowed adult children to remain on a parent's health policy until age 26. But make sure children living in another state have access to in-network health-care providers.
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