4 Tips to Saving on Health Care

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4 Tips to Saving on Health Care

4 Tips to Saving on Health Care

4 Tips to Saving on Health Care
4 Tips to Saving on Health Care
4 Tips to Saving on Health Care4 Tips to Saving on Health Care

4 Tips to Saving on Health Care

4 Tips to Saving on Health Care

4 Tips to Saving on Health Care

4 Tips to Saving on Health Care

With today’s financial instability, more and more of us have come to the conclusion that we need to take control of our finances.  This article will give you some insight for tapping into frugal ways to save money in health care.

1. Check Yourself
One certain way to save money on health care is becoming knowledgeable about preventative health care. This is because, sadly, the first measure many take is only running to the doctor when something is wrong, and then fleeing to the emergency room when things get really bad. Yes, many times, this expensive visit is unavoidable.  However, at other times, the visit can be prevented by maintaining a disciplined regimen of proper diet, exercise  and over-the-counter medications and/or home remedies. Obviously, you shouldn’t just come up with some exercise routine and daily pill regimen, but if you speak with your doctor, they will be able to advise a healthy routine. Ask any health professional and you’ll see that proper exercise, diet and preventive/reactive care can save you THOUSANDS of dollars, as your risk for numerous diseases and conditions will exponentially be reduced!

2. Contingency Plans
Recent CNN reports state that nearly 87 million Americans do not have health insurance (since late 2008). This is shocking in itself, but is also largely the consequence of the American economic system and the policies set in place by our lawmakers. However, even if you’re unfortunate enough to be one of these 87 million Americans, by setting up a contingency health plan, a crisis may be averted. To begin, make an inventory of health care needs, such as crucial prescriptions and yearly visits to the doctor/dentist. Even if something is expensive, it may very well be worth it, and you can charge things to your credit card to make it more affordable. Know what is vitally necessary and what is unnecessary. Next, open a separate health savings account (HSA) strictly for medical costs and if you can’t do this, simply set money aside in a glass jar.  The most important thing is to have set aside something to meet these expected emergencies (they are unavoidable – everyone will have some kind of crisis in their life).

3. Capitalize

If you’re fortunate enough to still have a company health plan, consider increasing one’s deductible. Also, check to see if they offer any special discounts for diet plans, such as Weight Watchers or Jenny Craig. They may also have a free on-call nursing station you can call, instead of visiting a doctor. Next, see if there are any discount drug plans in your area. These can be found at many discount retail stores, such as Target, Walgreens or Walmart. This may help reduce costs to a large degree.

4. Bonus Tips

Buying generic drugs may also lower prescription costs by up to 50 percent. Likewise, many chain stores have on-site nurses.  With something minor such as a flu, big costs may be avoided by visiting a retail clinic and not the ER. Also worth considering is the fact that one’s local dental school may be able to save families literally hundreds of dollars for a simple cleaning.  By checking out Oral Health America.Org, a search for the closest dental school can be quick and easy. Never pay full price for a procedure or even an operation. Negotiate with the health facility.  Normally, hospitals, health care facilities and doctor offices will be willing to do so, and will employ specialists who will help find breaks for you. Look for “accidental mistakes” or intentional double billing on one’s hospital bills.  A most common practice, some health care facilities hope one’s state of vulnerability will keep inquisitive eyes from careful invoice examinations. Another option would be to become a member of a HMO or PPO health care facility.  Typically, payments are more affordable than health insurance premiums and there are many good options available for individuals or families.

Scott Tyler likes to write about politics, economics, health care & www.Healthinsurancequotes.org.

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