An Apple a Day Keeps the Co-pay Away

Well hello there. I hope you are all feeling fine and healthy today. If not, then maybe you should pay a visit to your doctor. But first, pay a visit to me, your Iamhellacheap advisor. Now, some time back in 2010, when Obama passed the Healthcare Reform Bill, he made it required by law for insurance companies to offer “preventative care” to their consumers for $0. This means, no co-pay, no deductible, basically nothing out of your pocket.

Now what exactly does “preventative care” mean? It’s a pretty broad term and I’m sure they’ve defined it, but I’m not exactly sure what it means. Actually, a lot of the office people at your doctor’s office probably aren’t exactly sure either. I have a feeling that “preventative care” falls under stuff like an annual check-up or physical or something like that.

How does this benefit you? Well the next time you go to the doctor, for whatever reason, you should carefully word your reason for seeing the doctor when you check in. You basically want to tell the lady who checks you in that you just want a check-up to see if anything is wrong. The way you word your reason for seeing the doctor is important. That way you will avoid the co-pay and get a free doctor’s visit. Now obviously, if you broke your foot or something like that, you’re not going to be able to have that fall under preventative care, but if you have a cough or if you’re not visibly sick, just wait until after you check in to talk about your problems. Once they bring you into the room, the nurse will ask you again what your problems are, and this is when you will be able to reveal why you’re really there. I highly doubt they’re going to double back and ask “Wait a second… did you pay your co-pay?”

Yup. And that’s how you save $20, $30, $40, or whatever dollars your co-pay is. You are welcome, and I wish you all the best of health.