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Health Savings Accounts Are Creating Innovative Medical Services

webmaster@hsaforamerica.

By Wiley Long Category: 0

Submit your Articles Here!

webmaster@hsaforamerica.com.

Best regards

Wiley Long
http://www.health--savings--accounts.com

Health Savings Accounts Are Creating Innovative Medical Services
Many times an expensive doctor visit could be avoided if
you could just talk to the doctor to discuss the situation
over the phone. If you could do a quick email exchange and
have a prescription waiting for you at the pharmacy, you
could save time and money, and let the funds in your Health
Savings Account continue to grow for your retirement.
There are now online physician consultation services that
allow you to do just that.

While an ER visit may indeed treat medical needs, the
reality is that most visits end up being more about peace
of mind. If your child's skin is turning red in the middle
of the night, you might not know if it's harmless flushing,
or a serious allergic reaction. So you rush off to the
emergency room, fill out some forms, and sit in a room full
of contagious people. You wait and wait, finally get to
speak to a nurse, then wait some more, and explain your
problem again to the resident. Then you may have a battery
of tests done, wait some more, and finally leave with a
prescription and a bill for $650.

All this for a problem that could have been far less
expensive, and handled more simply and expediently by
discussing the situation with your doctor. According to
the American Medical Association, about 70% of doctor and
emergency room visits are actually just informational.

However, asking your doctor a health question is rarely as
easy as picking up the phone. Because insurance companies
do not normally reimburse doctors for phone care, most
traditional practices avoid offering such service.
Instead, their objective is to get you into the office so
that you can be billed for the service you receive.

Paying for that office and the surrounding bureaucracy is
not cheap. A doctor's costs may include the office itself,
a receptionists, a triage nurse, someone handling insurance
billing, office managers, and expensive medical equipment.
All this is very expensive to maintain, so generating as
many office visits as possible is critical for most doctors
to even stay in business.

So you get stuck in a system that is inconvenient,
expensive, and does not value your time.

Telephone Consultation Services

As health savings accounts become more popular and more
people are paying for their own doctor visits, several
companies have begun offering inexpensive telephone and
email consultations with board-certified physicians. These
companies can offer dramatically lower prices because they
have cut out most of the costs that burden traditional
medical facilities.

Though telephone consultations are obviously not
appropriate for all medical conditions, it is an accepted
standard of care for many health-care problems. In fact,
telephone medicine has been around as long as the
telephone, and is practiced throughout the country by most
doctors at nights and on weekends.

Here are a few companies that are now offering telephone
consultations with licensed physicians:

Doctor on Call (www.unadoctoroncall.com). This company
currently has over 240 board-certified physicians on call,
with 24-hour access. The physicians with this service will
not diagnose or prescribe, but they will provide
information based on your questions. The price is a
bargain - only $5.95/month for the family for an unlimited
number of calls.

TelaDoc Medical Services (www.teladoc.com). This company
also provides 24-hour access to members and dependents age
12+. Telephone medical consultations are with primary care
doctors who can also diagnose medical problems and
prescribe appropriate medications. There is an initial $18
registration fee, and a monthly fee of $4.25 for an
individual or $7 for a family. Consultations are a flat
$35.

Doctokr (www.doctokr.com) is a practice run by Virginia
physician Alan Dappen. Though this service is only
available to people who can come in to his office for an
initial visit, it is a model likely to be copied by other
providers as consumers become more price conscious when
shopping for medical care. 24-hour access is available by
telephone and email. Consultations are billed in 5-minute
increments ranging in price from $15 to $22.50. A simple
consultation to request medication refills costs from $10
to $15 for up to 5 medications. There is a monthly fee of
$5.95.

Saving You Time and Money

Not only will these services save you money when compared
to a typical doctor visit, but they will also save you
time. You may be able to quickly resolve routine medical
issues in a fraction of the time you would spend accessing
care from urgent care facilities, emergency rooms or
physician offices. If you use a service that will
prescribe medications, you could have your consultation
finished and the medicine in hand in less than the time it
would otherwise take just to visit the doctor.

As telephone technology evolves, these services will add
picture taking and even recording vital signs, and the
scope of these physician consultations will become broader.
With doctor visits approaching $100 each and ER visits in
excess of $800, it doesn't take much to justify the small
monthly fee for most of these services.

Though there are certainly times when visiting your
doctor's office or the emergency room is the most
appropriate thing to do, as a smart consumer you owe it to
yourself to be aware of all your options. Using a
physician telephone consultation service can help you avoid
the expense, time, and hassles of urgent care facilities,
emergency rooms, and visits to the doctor.

----------------------------------------------------
By Wiley Long - President, HSA for America
(http://www.health--savings--accounts.com ) - The nation's
leading independent health insurance firm specializing in
individual and family coverage that works with a Health
Savings Account.

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