Benefits Blog: Be a Smart Health Care Consumer

They used to say there were only two sure things in life – death and taxes.  But another sure thing could be added today – rising health care costs.

That makes it imperative for every individual to become a smarter consumer of health care, by taking charge of your care and coverage, asking more questions, and doing more independent research.  Here are some specific steps:

Control out-of-pocket health care costs by carefully reviewing your health insurance plan options and selecting the ones that best meet the needs of you and your family.  Those needing more chronic care and medications may want to choose a lower deductible plan, while those younger and healthier needing less care could potentially get by with a higher deductible option.

Assert your rights as a patient and ask more questions of your doctor and pharmacist, such as:

  • Why is this treatment necessary?
  • How much will this treatment cost?
  • Are there equally effective options that cost less?
  • What is the current procedural terminology (CRT) code for this treatment, so that I can comparison shop my options?
  • How can I improve my condition?
  • Why are you suggesting this specific dosage?
  • Is this prescription on my insurance plan’s approved list, or is this a specialty drug?
  • Can you recommend a lower-cost or generic substitute?

Make every effort to choose in-network doctors when possible.  Health care providers within your plan’s network typically cost less than those out-of-network.  When selecting a plan, make sure your preferred doctors and hospitals are within the plan’s approved network.

Seek outpatient care when available, without sacrificing quality of care.  By avoiding being admitted to the hospital, the cost of your care goes down significantly.  Only select an outpatient option when the proper level of care can still be provided.

For more information on becoming a smarter health care consumer, contact the Benefits team at The Reschini Group today.

Download these resources about reducing health care costs:

How to Lower Health Care Costs Take Action – Preventive Care and Your Health Care Costs Take Action – Shop Around for Health Care


Copyright 2021 The Reschini Group

The Reschini Group provides these updates for information only, and does not provide legal advice.  To make decisions regarding insurance matters, please consult directly with a licensed insurance professional or firm.

The Reschini Blog: Cybercrime Impacts All Industries

Working in IT today is like running a marathon sprint.

Not only do the digital professionals need to keep their systems and users running smoothly at a baseline level, they also need to stay up-to-date on new applications and software packages and how they could be used to advance the growth of their organizations.

And then there’s the ever-present specter of cybercrime – an unending and constantly expanding web of innovative and malicious attempts to steal information, hold data for ransom, and generally take control of the digital identity of companies.  What’s worse, no industry is immune to these dark forces, who can wreak havoc and extort enormous financial damages.

According to the Pittsburgh Technology Council, most CEO surveys rank cybersecurity threats as a top-five risk, regardless of industry type.  CEOs care about data breaches and ransomware attacks because those attacks have become so common, regardless of organizational size or IT staff experience.  Furthermore, CEOs know that a ransomware infection or a data breach can put the very life of their organizations at risk.

IT teams have trouble keeping a current and standardized set of security best practices, because to do so – with proper patches and policies amid a continuously changing environment – is time consuming, expensive, and downright difficult.  One solution comes in the form of enterprise cloud infrastructure platforms, which offer a secure-by-default cloud experience with best-in-class security features incorporated from the start.

Using advanced tools like this can free internal IT staffs, since they only need to work with the cloud infrastructure provider to select and configure features most relevant to the organization’s needs and vulnerabilities.  Those IT professionals can then spend their time more efficiently, working on strategic projects while reducing exposure to cybersecurity issues.

Keeping the bad guys at bay online doesn’t have to be a marathon sprint, where the best efforts simply can’t keep running at full capacity.  You can bring your cybersecurity exposure under better control, thereby improving your insurance coverage against losses.

The experts at The Reschini Group can provide specific guidance in this area.  Contact us today to learn more.


Copyright 2021 The Reschini Group

The Reschini Group provides these updates for information only, and does not provide legal advice.  To make decisions regarding insurance matters, please consult directly with a licensed insurance professional or firm.