Managing Medical Expenses Made Simple: How Beem Health Saves You Money

Healthcare costs are rising faster than ever, posing challenges for many. Unexpected doctor visits, prescription costs, dental emergencies, and vision care can quickly add up, leaving you overwhelmed and anxious about your finances.

But what if there was a better way? What if you could access affordable healthcare solutions, enjoy predictable monthly spending, and reduce out-of-pocket medical costs—all without the hassle of traditional insurance? That’s where Beem Health comes in. Managing medical expenses made simple? That’s what this blog is all about.

What Is Beem Health?

Beem Health is a subscription-based healthcare platform designed for today’s world. It offers a wide range of healthcare services—virtual doctor visits, mental health support, prescription savings, dental and vision discounts, and even remote patient monitoring—all bundled into one simple, affordable monthly plan.

Unlike traditional health insurance, Beem Health has no deductibles, co-pays, or surprise bills. You pay a flat monthly fee, and your whole family can access care whenever needed. Beem Health is available in 47 states and is built to make healthcare more accessible, transparent, and budget-friendly for everyone.

Key features of Beem Health:

• 24/7 virtual doctor visits.
• Mental health counseling.
• Prescription savings.
• Dental and vision discounts.
• Chronic care and remote monitoring.
• No insurance required.

The Real Cost of Medical Care Today

Medical expenses can be unpredictable and expensive. Even with insurance, you often face high deductibles, co-pays, and bills for services that aren’t fully covered. For those without insurance, the costs can be even higher.

Common Out-of-Pocket Medical Expenses

Managing healthcare costs can be challenging, especially when faced with expenses not fully covered by insurance or membership plans. Here’s a closer look at the most common out-of-pocket medical expenses, what they include, and why they often aren’t covered:

Doctor Visit Fees

• Description: Charges for seeing a primary care physician or general practitioner for routine checkups, illness, or follow-up appointments.
• Why Not Covered: Many insurance plans have high deductibles or co-pays, and some visits may fall outside of covered preventive care. You may pay the full fee if you’re uninsured or using a limited plan.

Prescription Medications

• Description: Costs for medications your doctor prescribes for short-term illnesses or ongoing chronic conditions.
• Why Not Covered: Insurance formularies may exclude certain drugs, require high co-pays, or not cover brand-name medications. Some plans also have annual caps or require patients to pay the full price until a deductible is met.

Lab Tests and Imaging

• Description: Expenses for blood work, urine tests, X-rays, MRIs, CT scans, and other diagnostic procedures ordered by your doctor.
• Why Not Covered: These services can be considered “extra” or “specialty” care, often subject to separate deductibles, co-insurance, or exclusions. Some plans limit the number of covered tests per year or only cover those deemed medically necessary.

Dental Procedures and Cleanings

• Description: Costs for routine dental cleanings, fillings, extractions, crowns, braces, and other oral health procedures.
• Why Not Covered: Most standard health insurance plans do not include dental coverage. Separate dental insurance is required, and even then, coverage may be limited to preventive care, with major procedures only partially reimbursed.

Eye Exams and Glasses

• Description: Fees for vision checkups, prescription glasses, contact lenses, and corrective procedures.
• Why Not Covered: Vision care is typically excluded from medical insurance. Vision insurance is usually a separate policy, and it may only cover basic exams and a portion of eyewear costs.

Specialist Consultations

• Description: Charges for seeing medical specialists such as dermatologists, cardiologists, or orthopedists for advanced care.
• Why Not Covered: Specialist visits often require referrals and may come with higher co-pays or separate deductibles. Out-of-network specialists may not be covered, leading to full out-of-pocket payment.

Emergency Room or Urgent Care Visits

• Description: Costs for immediate care in emergencies or urgent health issues that can’t wait for a regular appointment.
• Why Not Covered: Emergency and urgent care visits usually carry high co-pays or co-insurance, and some insurance plans only restrict coverage to emergencies. Non-emergency visits may be denied or only partially reimbursed.

These costs can quickly drain your savings, especially if you experience a sudden illness or accident. Many families struggle to budget for healthcare, and medical debt remains a leading cause of financial stress.

How Beem Health Helps You Control Healthcare Costs

Beem Health’s unique subscription model is designed to help you confidently manage medical expenses. Here’s how:

Bundled Services for Predictable Monthly Spending

With Beem Health, you pay one monthly fee to access a wide range of healthcare services. This means you can budget for healthcare like any other monthly expense, without worrying about hidden charges or unexpected bills.

24/7 Virtual Doctor Visits: Skip Expensive ER and Urgent Care

Why rush to the emergency room or urgent care for minor issues when you can see a doctor online, anytime? Beem Health offers unlimited virtual visits with board-certified doctors. This saves you time and helps you avoid costly ER bills for non-emergency health concerns.

Prescription, Dental, and Vision Discounts: Save on Everyday Needs

Prescriptions, dental care, and vision services are major sources of out-of-pocket spending. Beem Health members enjoy significant discounts on medications, dental procedures, and eyewear, making it easier to afford the necessary care.

Benefits at a glance:

• Save on prescription drugs at thousands of pharmacies.
• Get discounts on dental cleanings, fillings, and braces.
• Access vision care savings for exams, glasses, and contact lenses.

Strategies for Managing Unexpected Medical Bills

Even with the best planning, unexpected medical expenses can happen. Beem Health offers practical tools and tips to help you confidently handle these situations.

Using Beem Everdraft™ for Instant Cash Advances

Sometimes, you need help covering a medical bill right away. Beem Everdraft™ provides instant cash advances for medical expenses, allowing you to pay bills on time and avoid late fees or interest charges.

Negotiating Medical Bills and Setting Up Payment Plans

Don’t be afraid to negotiate your medical bills. Many providers are willing to offer discounts or set up payment plans if you ask. Beem Health offers resources and guidance on talking to your healthcare provider about lowering your bill or spreading payments over time.

Building an Emergency Fund with Beem’s Tools

Having a dedicated emergency fund for healthcare can provide peace of mind. Beem Health offers budgeting tools and tips to help you set aside money monthly, so you’re prepared for unexpected expenses.

Comparing Beem Health to Traditional Insurance

Choosing between Beem Health and traditional insurance depends on your needs and budget. Here’s how they compare:

Feature	Beem Health	Traditional Insurance
Monthly Cost	Flat, affordable subscription	Varies, often high
Deductibles & Co-pays	None	Yes, often expensive
Coverage	Virtual care, dental, vision, Rx	Varies by plan
Surprise Bills	Never	Common
Accessibility	24/7, nationwide	Network restrictions
Flexibility	No insurance required	Insurance required

No Deductibles, No Surprise Bills: Transparent Pricing

With Beem Health, what you see is what you pay. There are no hidden fees, no deductibles, and no surprise bills. This transparency allows you to plan your healthcare spending with confidence.

Subscription Healthcare vs. Health Insurance: Which Is Right for You?

Beem Health is ideal for individuals and families who want affordable, predictable healthcare costs without dealing with the complexities of insurance. It’s also an excellent option for the uninsured, self-employed, or those looking for supplemental coverage.

Real-Life Savings: Beem Health Member Stories

Nothing speaks louder than real stories from people who have saved money and improved their health with Beem Health. Here are a few examples:

• Busy parents: Saved money on pediatric visits and prescriptions using virtual care instead of urgent care clinics.
• Freelancers: Managed chronic conditions affordably with remote monitoring and unlimited doctor access, without expensive insurance.
• Retirees: Reduced out-of-pocket dental and vision expenses with bundled discounts, making healthcare more manageable on a fixed income.
• Young professionals: Use Beem Everdraft™ to cover a sudden medical bill, avoiding credit card debt and financial stress.

These stories highlight how Beem Health makes healthcare affordable, accessible, and stress-free.

Tips for Maximizing Your Beem Health Membership

To get the most value from your Beem Health plan, follow these practical tips:

• Schedule regular virtual checkups: Don’t wait for emergencies—use your unlimited virtual visits for preventive care and early intervention.
• Take advantage of discounts: Use your prescription, dental, and vision savings whenever possible. Check participating providers and pharmacies in your area.
• Monitor your health at home: Use Beem Health’s remote patient monitoring tools to track vital signs and manage chronic conditions proactively.
• Budget for healthcare: Treat your Beem Health subscription as a monthly expense. Use Beem’s budgeting tools to set aside extra funds for unexpected needs.
• Stay informed: Keep up with health tips, new services, and member benefits through Beem Health’s online resources and newsletters.

Conclusion

Managing medical expenses doesn’t have to be stressful or complicated. With Beem Health, you gain access to affordable healthcare solutions, predictable monthly spending, and a wide range of services designed to keep you and your family healthy—all without the hassles of traditional insurance.

Take control of your medical expenses with Beem Health—from the house of Beem, the personal finance app trusted by over 5 million Americans—and experience the confidence that comes with knowing you’re covered, no matter what life brings. In addition, Beem’s Everdraft™ lets you withdraw up to $1,000 instantly and with no checks. Download the app here to simplify your healthcare and start saving.

FAQs About Managing Medical Expenses Made Simple