Yet if COVID-19 shows us anything, it isto take meaningful, individual actions to protect our health. Staying home and wearing masks are the most powerful ways to break the virus's insidious spread.
Why not, then, claim that same kind of power over more of our health care experiences? Here are 12 proactive steps you can take to increase the chances of getting what you need — and want — from the health care system.That's a little like saying,"Look into your crystal ball and predict your health care future." It may seem impossible to know, but you have some of the information you need to decide between a high-deductible health plan with lower monthly premiums or the reverse.
On the other hand, if your cash flow is tight or you don't expect to need health care services, you might prefer a lower-premium, higher-deductible plan. You risk financial exposure if you need more care than you expected, but if not, you may come out ahead. Depending on your tolerance for risk — and your best estimate of your needs — that might be a smart bet.let you calculate your costs in a typical scenario and a worse-case situation.