ColoHealth
Money-Saving BenefitsSave
Money on Prescription Drugs, Lab Fees, and More!
At ColoHealth,
we want to help you be smart about how you handle your medical expenses. By
taking advantage of all the money-saving tools available, you can reduce your
annual medical costs by thousands of dollars, and have more money available
to spend on yourself and invest for your future! -
Prescription
Drug Discounts - There is a wide variation in pricing on prescription
drugs, and smart shoppers can save a lot of money by doing some comparison
shopping. To help you lower your prescription costs even further, ColoHealth
has two resources which may dramatically reduce your prescription drug costs.
The first is a Prescription Drug Discount Card that you can download immediately,
cut out, and put in your wallet. You’ll have access to online pricing,
so you can be sure you’re getting the best price available before you
head to the pharmacy. This card is widely accepted, offers go od discounts,
and we recommend you always check prices with this card even if your insurance
company also provides a discount prescription card.
We have another resource that will research worldwide prices on prescription
drugs, all sourced directly from the manufacturer. If there are significant
savings for your medications, you qualify to order a 90-day supply at a time.
Click on the link above to access both of these benefits.
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Health
Reimbursement Arrangements - Also known as an HRA, a health
reimbursement arrangement is just an agreement between an employer and employee,
in which the employer will reimburse the employee for the costs of health
insurance or other medical expenses. This is obviously a business expense,
and also a tax-free fringe benefit. If you are self-employed and have
a spouse working for you, this is for you. You can set up your plan
online in about 10 minutes. The cost is only a one time fee of $ 395.
If you
currently have an HRA established through ColoHealth,
you may log in to your account using the form below. Here you can view
and make any changes to your Plan Documents, and your Summary Plan Description.
This is also where you can track your reimbursed expenses.
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$100
Deductible Supplemental Accident Plans - A majority of our
clients add a supplemental accident plan to go with their high-deductible
health plan. Accident insurance plans only have a $100 deductible, and
then they cover 100% of health care costs for accidents up to $2,500, $5,000,
$7,500 or $10,000, depending on the plan you select. Since most people
are more likely to have an accident than an expensive sickness, an accident
plan is a great way to buffer a high deductible on health insurance, including
an HSA-qualified plan. Accident insurance is very low cost, starting
at only $22 per month for individual plans and family coverage is also inexpensive.
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Lab
Fee Discounts - The biggest markups in medicine are for prescription
drugs and lab tests. Instead of paying full retail price for things like blood
work, ColoHealth
clients and
visitors have access to discounted pricing that reduces the costs by as much
as 80%. Simply go online, order the tests you want, and then head to
the closest participating lab to have the test run. Results are usually
available within 48 hours.
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Bill
Negotiation Service - Insurance companies and
major employers have the power to negotiate with doctors and
hospitals to receive lower prices than the general public
gets, something the average individual can’t do.
Because of ColoHealth’s
large presence in the marketplace, you now have access to
the same service, risk free. Before paying a medical
bill, our members simply submit your claims to our negotiation
service, and if they can negotiate a reduced bill you get
to keep 70% of the savings! If they are unable to negotiate
any further price reductions, then you pay nothing.
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Annual
Comprehensive Policy Review - Because insurance premiums regularly
go up, and because your needs may change, every year our insurance clients
are offered a Comprehensive Policy Review at absolutely no charge.
At this time we’ll run quotes on competing plans, and let you know if
it might make sense to apply for a different plan. Allowing us to do
this on a regular basis will likely save you hundreds or even thousands of
dollars in the coming years.
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International
Medical Treatment - More and more Americans are travelling
out of the country to receive medical treatment. High quality treatment
from U.S. board certified surgeons can often be had for a fraction of what
it would cost here in the U.S. Substantial savings are available on dental
work, cosmetic surgery, and even things like knee replacement or bypass surgery.
ColoHealth
partners with PlanetHospital,
the nation’s leader in medical tourism. PlanetHospital’s on-staff
doctors will consult with you about your situation, recommend appropriate
surgeons and facilities, and arrange for all treatment. ColoHealth
clients and visitors will have their consultation fee waived, and receive
an additional 10% discount on the concierge fee. Travel expenses for
qualified medical treatment can be paid for tax-free from your HSA.
- Low
Cost Term Life Insurance - The best value in life insurance is
term life. Choose the amount of coverage you want, and for a period of
10, 20, or 30 years your premiums will never change. Term life rates are
lower than they’ve ever been, and you have access to the lowest rates available.
Get an instant quote online and apply today.
- Retail Rebate Program - Sign up today and earn money for shopping online from many of the leading the retailers you already rely on, such as Walmart.com. It’s easy to download the shopping assistant, or use the shopping portal, to start earning today. There’s no cost to you to give it a try. Click here to get started.
At
ColoHealth
you not only have access to the lowest health insurance rates available, but
we’ll also do our best to keep you well-informed about even more ways
you can save money on your medical expenses!
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