ColoHealth
Money-Saving Benefits
Save
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!
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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 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 good discounts, and we
recommend you always check prices with this card even if your
insurance company also provides a discount prescription card.
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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, or if
you have an S-corp or C-corp, this is for you. You can
set up your plan online in about 10 minutes. The cost
is only a one time fee of $297, plus $97 for any additional
employee other than your spouse.
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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. These plans
only have a $100 deductible, and then cover 100% for any accident,
up to $5,000 or $10,000. Since most people are more
likely to have an unexpected accident than an expensive sickness,
an accident plan is a great way to buffer the high deductible
of an HSA-qualified plan. And they're inexpensive, starting
at only $22 per month.
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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 and CAT scans,
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.
Sign
up for this service at NO COST, and receive the 70% savings
rate that is available only to ColoHealth
website visitors.
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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.
- Optimal
Health Coaching
- ColoHealth
clients
and visitors have access to the same personal one-on-one health
coaches that many corporations are now using to help them reduce
their health expenses, at an unbelievably low cost. Use
your personal coach to help you lose weight, quit smoking, get
in shape, or simply improve your lifestyle habits. This
personal telephone coaching is guaranteed to improve your health
outcomes, or your money is fully refunded. This is a service
we strongly recommend to every one of our clients.
- 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.
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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