How Save On Medical Works

Think back to a time in the early 2000’s when people first started booking their travel online with websites like Expedia and Hotels.com. It took a bit of time before some people felt comfortable with the new process.  They were used to comparing, booking and paying for travel over the phone with airlines, hotels and travel agents. The same apprehension was at play with EBay and online banking, but now paying for goods and services online is second nature. By 2012, you could buy just about everything online, except as it turned out, health care procedures. We decided to change that.

Save On Medical is simple to use. We are an online market place for medical procedures where patients can shop and compare the cost, quality and/or convenience of medical providers in their area. Think of Save On Medical as the Expedia for medical procedures like MRIs, Mammograms or colonoscopies.

how to save on medical bills

We can help you save money on your medical bills in 7 easy steps:

  1. Search Providers
  2. Compare Prices
  3. Check Quality
  4. Request Appointment
  5. Schedule Time
  6. Pay Online
  7. Show Up

Search: Select the procedure you need from the drop down menu and type in your zip code then click “Search”. If your script requires contrast, don’t worry; we’ll get that information later.

Compare Prices: The average cost for the procedure will be listed at the top of the page, under which will be the list of providers in your area and their prices will be listed on the right side. These prices are all-inclusive* and no additional bills or charges will be included. That’s right, no additional reading fees or charges for reports. *There may be an increased price for contrast studies.

Check Quality: When you click on the Provider’s name, you’ll be taken to their profile page where you’ll see their Docometer Score. The weighted score is on a scale of 100 and is based on a number of key points. The providers are evaluated by our grading department and have no control over their Docometer Scores.

Request Appointment: Once you’ve selected the center you want to go to, you can request an appointment on the right side of their profile page. Simply click the green “Book Appointment” button and fill in the required fields.

Schedule Time: After you’ve requested an appointment someone from the center will call you directly to confirm you have a script for the procedure and will schedule your appointment over the phone. This will happen within 24-hours. Please feel free to contact us if you have not heard back from a provider in 24 hours.

Pay Online: Once you schedule your appointment, you can log back in to your account and pay for your procedure. You can click the “Appointments” tab on the left side of the screen.  Click “View” to the right of the procedure you want to pay for and a green “Make Payment” button will appear.  You can then pay for your procedure with a credit card or PayPal account through our secure payment gateway.

Show Up: Once you’ve paid for your procedure, all you have to do is show up for your appointment. You can print off your payment confirmation and take it with you to the appointment to be safe, but you won’t need it. The staff at the center will know you’ve paid in full.

quality radiologists

Sample Provider Profile Page

 

You might be wondering, how are these prices so cheap? The prices on Save On Medical are self-pay discounts the provider offers since the patient is paying online ahead of time. Think of it like the rates on Expedia or Hotels.com. If you call an airline or hotel directly, the staff member will likely quote you a higher price and tell you that lower rates may be available online.

Airlines and hotels do this so they can still make money on their empty seats or rooms. If diagnostic imaging centers have empty time slots in their schedule or stay open for extended hours to serve more patients, they can take advantage of the same opportunity.

 

If you have more questions about how Save On Medical works, feel free to give us a call at 888-372-5438.

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How Save On Medical Can Help Improve Employee Wellness

We started Save On Medical to be a resource for uninsured patients when the uninsured population totaled close to 50 million. Since we launched our website in 2012, we’ve come to realize that as the health care industry has evolved, Save On Medical’s purpose has changed as well. In recent years, we have seen a decrease in the number of uninsured patients, but a rise in patients in high-deductible health plans. We’ve seen a significant rise in the number of people paying out-of-pocket and essentially self-financing their own health care, even with insurance.

uninsured americans

The most influential way we have seen Save On Medical evolve in terms of who the website helps, is in relation to employer groups. With a rise in the number of self-insured employers, more employer groups are looking for tools to help their employees save money on their medical costs. By telling their employees about Save On Medical, they are giving them a resource where they can compare the different prices of the procedure they need at different medical facilities.

It’s a win-win for both employers and employees, since providers are now competing on cost.

medical procedure pricing

The employers can keep costs down which could lower their premiums in upcoming years and if they don’t spend all the money they had allocated for employee health expenditures, that translates to profit. Employees can gain a better understanding of the procedures they need and feel confident in the providers they are choosing because they are acting as a consumer in the process. Additionally, they will have to pay less out-of-pocket for the procedure depending on what their responsibility is for medical procedures.

If you or your employer is interested in speaking with someone from Save On Medical about using us as a resource, simply click here and fill out our contact form!

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Top Tips That Help You Save on Medical Bills Before They Arrive

Guest Post By: Colleen McGuire, VP of Communications at Healthcare.com


Full disclosure – this article is about health insurance. Yes, dull, even yawn-worthy health insurance. But before you click away because you think this article will be a snoozefest, you should know this could be the best financial advice you’ll get this week.

First, here are a few little known facts about healthcare plans to get you thinking:

  • It is illegal to be uninsured. There are exceptions, but the majority of individuals must have health insurance or they will be fined by the government.

If you’re wondering why you have never heard of these rules, you’re not alone. More than 40% of Americans do not realize they face a tax penalty if they don’t have health insurance. And nearly half of those who had a health insurance plan in 2014 let it auto-renew for another year without price shopping for a lower cost plan.

To get you on the fast track of financial healthcare protection before the medical bills start to arrive. You need to think about these top five considerations.

1.  Review health plans side by side. Most individuals have an average of 30 health insurance plans to choose from, so it’s important to compare price, and every out-of-pocket cost you could incur that comes from a deductible, copays and coinsurance. A $100 a month health insurance might look attractive on paper, but if you have a health condition or take several prescription drugs, a richer plan for $225 a month that pays for more care could actually save you money in the long run. HealthCare.com   Search and Compare Health Insurance Plans

2. Research the big words. Most individuals don’t know the ins- and outs of health insurance terminology, which can lead to surprise medical bills. Do the math in advance. If the healthcare plan you are interested in has 80% coinsurance on inpatient hospital care, that means you will have to pay the remaining 20% of medical services. If you know you will have at least one hospital stay during the year, add that 20% estimated expense into your total out of pocket calculation when comparing plans.

3. Check the network. If you are committed to one doctor, clinic or hospital, make sure they are “in-network” so you don’t pay out-of-network prices, which cost more than in-network pricing. Even if you don’t have a regular doctor in your area, provider networks can vary in size. The insurance company you are considering should be able to tell you which network covers your doctor, clinic or hospital, and how big of a region the network covers, should you not have a set doctor in place.

4. See if you qualify for help from Uncle Sam. More than 87% of Americans who have health insurance through the federal marketplace qualified for a financial subsidy to help with the overall cost of their health insurance in 2015. Many states are reporting that the average health insurance customer is paying around $100 a month for a healthcare plan. If you accurately report your income for the year when applying for a healthcare plan, there’s little downside to taking a subsidy to help with your health insurance costs.

5. Don’t be illegal. Remember that little known fact from early in this article? Having a healthcare plan is required by most Americans, and can result in a fine of $325 per person or 2% of your income for 2015, whichever is higher. That equates to approximately $1,500 in fines per family. The fee is applied to your income taxes, so if you expect a refund every year but don’t have health insurance, you could wind up paying the government instead of the other way around. The fine goes up to $695 per person in 2016, or 2.5% of your income.

One last quick tip – if you already have health insurance but have a “life event” this year, you could qualify for a special open enrollment period to change your health insurance plan. A qualifying life event includes losing your health insurance coverage from your employer, getting married, getting divorced, having a baby or adopting a child, moving to a new ZIP code or having a change to your reported income level that impacts your subsidy. If one of these events happens to you, it’s an excellent time to look at your potential medical expenses in the coming months and review your healthcare coverage.

Once you have your health insurance ID cards in hand, you can continue saving on your medical bills by using services like SaveOnMedical.com. It’s vital to your healthcare finances to be an advocate of your healthcare every step of the way, from health insurance purchases, to procedure price shopping to understanding your medical bills to ensure they are accurate. You, the consumer – the patient – are always in control.

This information is courtesy of HealthCare.com, the nation’s leading health insurance search engine and comparison tool.

 

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Save On Medical Launches Surgery Price Shopping

At Save On Medical, we know that there are huge variations in health care costs across the country, especially when it comes to surgery prices. In fact according to a report by Blue Cross Blue Shield,prices can vary from $16,772 to $61,585 in Dallas, Texas for a knee replacement while a hip replacement in Boston, Massachusetts can range from $17,910 to $73,987. Can you imagine paying $56,077 more for a procedure than you really had to, with absolutely no difference in quality? You could buy a brand new BMW 4 Series convertible for that price!

With the rise in high-deductible plans and patients paying out-of-pocket for medical procedures, patients need a way to act as consumer-driven shoppers. This is why we created Save On Medical in the first place. Now, for the first time, Save On Medical will make it easy for patients shop online for both radiology and surgical procedures.

It’s important that patients can find surgery costs and understand what they will be responsible for so there won’t be a sticker shock associated with their medical bills. Shopping around can also help them find more affordable options, cutting down what they will owe out-of-pocket.

 Surgery cost variation

Save On Medical is now inviting new surgical providers to join our website from cities across the country. Currently, we have 25% of the country’s outpatient imaging centers participating as a part of our network of physicians, which we will only continue to grow. Our website has served over 16,000 patients shopping for radiology procedures and now we want to help patients who are seeing huge price gaps in surgical procedures as well.

Find Deals In Your Area - (Search for affordable care in your area today by clicking here: Save On Medical Procedures)

If our top newspapers’ headlines are any indication of how necessary this next step is, then we decided that we owed it to patients to use our expertise in price transparency and consumer-driven care to move towards surgery.  Over the next few months we’ll be adding large surgery providers to our website, making it easy for patients to compare prices for procedures like:

  • Arthroscopy Procedures
  • Rotator Cuff Repair
  • Carpal Tunnel Release
  • Plantar Faciotomy
  • Hernia Procedures
  • Neuroplasty
  • Hemorrhoidectomy
  • Spinal Surgery
  • Cervical Epidural
  • Thyroidectomy
  • Cochlear Implant
  • Septoplsty
  • Tonsillectomy
  • Cystocopy
  • Hysterectomy
  • Biposies
  • Colonoscopies
  • And many more

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Save On Medical’s Best Week Ever

You’re cordially invited to Save On Medical’s Best Week Ever. That’s right. Someone better call VH1, because next week might just be the greatest week we’ve ever had. What is going to make the week of January 26th so fabulous?

Best Week Ever Save On Medical First of all, on Tuesday, January 27th we will be participating in Florida Next’s Pitch6 Event as a part of Bright House Network’s Regional Business Awards at MOSI. To say we are excited would be an understatement. Not only do we have the opportunity to share Save On Medical with a bevy of new people, but also we will be competing Shark-Tank-Style against five other Tampa-based startups for $1 Million worth of advertising dollars. Save On Medical commercials, coming your way soon. Fingers crossed!

This made for television competition will be a can’t-miss-event and we are #blessed to have so many of our supporters in attendance. (Shout out to Florida Blue and Healthbox.) If you want to come check out Matt and Chris’ presentation, learn more about Tampa’s up-and-coming entrepreneurs, or just take advantage of some free food and drinks, you can buy your tickets here: http://www.eventbrite.com/e/pitch-6-tickets-15009352377

Since we’re friends now, you can use promo code: friendofpitch6 to get tickets for just $10. The party pitch event starts at 5:00 PM.

 

Next, we’ll be taking our talents to South Beach. Well, Hollywood, Florida to be exact. Save On Medical is pleased to announce that we have been selected to be one of the presenters at Florida’s largest venture capital conference on January 29th and 30th.  We are looking forward to the awesome opportunity to discuss Save On Medical’s success so far, share our plans for growth and announce some exciting new features being added to the website.

 

Last but not least, next weekend is Tampa’s Gasparilla Parade! (Learn about Gasparilla here) This isn’t necessarily related to Save On Medical, but any time your company’s home town gets overrun by pirates and essentially shuts down for a weekend-long party, you know it’s going to be a good week. Please enjoy these #tbt photos of our fearless leader, Chris Christenberry decked out head-to-toe in his pirate costume from last year. It’s a look that is hard to achieve. Chris Christenberry Gasparilla

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