How to Save Money On Your Medical Expenses

Are we paying too much for our healthcare expenses each month? Rising health care costs are beginning to become unaffordable for many of us. Here are some tips that can help to save you some money.

Step 1

If you are self-employed, you should always check with your healthcare service provider periodically to see if there are better or similar coverage plan but with lower cost. Often times, they do come up with new plan with lower price.

For example, if you are over age 40 or 50, you will probably not need the maternity coverage. You can always change your coverage plan online or through your agent to save you money.

Step 2
Try to avoid using the emergency room

Emergency room charges are very high and you will want to use that service only in dire cases.


Step 3
Choose the Right Doctor

You need to see a doctor who will find ways to treat you which do not involve overpriced medications that you may not need. Make sure your doctor is not motivated by the contests and prizes offered by drug companies.

If generic drug can do the same job as brand name drug, ask the doctor to give prescription on generic brand of medicines.


Step 4
Ask Your Doctor For Drug Samples

Pharmaceutical representatives often give doctors prescriptions samples to encourage them to prescribe that medication. Don’t hesitate to ask for a sample that you have a prescription for. This will save you a lot of money for brand name drugs.


Step 5
Shop Around For Prescriptions

Stores like Walgreen and Walmart offer generic prescriptions for $4. Shopping online can also save up to twenty percent.


Step 6
Know Prices For Procedures

Knowing what the average prices for any medical service can save you money. Get the details of what the facility is going to charge you before you show up for a procedure. This knowledge may help in negotiation of a better deal or to motivate you to search for a more affordable practitioner.

If possible, do not go to hospitals for procedure, they tend to charge higher prices.


Step 7
Get a Discount for Dental Work

Dentists are not regulated by the insurance industry in the same way that doctors are. Therefore, there is more room in their prices to allow for negotiation. Always ask the price before getting work.


Step 8
Take Good Care of Yourself

Prevent big problems before they can occur by eating healthy, go to bed before 11 or 12 PM and exercising regularly.


Resources

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