Save on Healthcare
It's inevitable that health care costs will continue to rise. There are
many things that you can do to help yourself minimize the costs of healthcare.
Here are a few simple tips and ways that you can save some money.
When you visit the doctor or dentist, pay with cash. Some offices give a discount if you pay for your visit with cash. This saves the office money because credit card companies charge processing fees for running your card.
Set up a flex spending account. This is pre-taxed money that you can put into an account that will cover any costs that are not covered by your insurance. At the beginning of the year you decide how much you want for that year. Then an amount is taken out of each paycheck and can be used on predetermined expenses.
So, if you are in the market for new glasses or your kid needs braces and you know your insurance isn't going to cover it all, this would be a good idea. The one stipulation is that if you do not spend all of the money in the account for the year than you will lose it. You may want to schedule some appointments towards the end of the year or stock up on some medical supplies.
Thoroughly examine your medical bills. A large percentage of hospital bills contain errors that cost you money. If you have a hospital visit keep track of all tests and medications given to you.
If you find errors, contact the billing department and request it be corrected and provide them with documentation.
Use generic drugs whenever possible. They are considerably cheaper and contain the same active ingredients. This goes for all of your over-the-counter products as well as prescription medications. You also will want to ask your doctor for any free samples. Physicians receive many samples and can give them to you to help you save money. Many times they come in single servings and are the same thing you were going to be prescribed any ways.
Another way to save money is to skip going to your regular doctor or dentist's office. Instead, go to a clinic whose workers are medical/dental students. If you live in a town that has a dental or medical school you can make appointments to visit them for their service at a significantly cheaper price. This works best if you need a regular check-up or have a cold. Getting your teeth cleaned and examined at a dental school can save you around 50% off your regular dentist’s price.
People spend hundreds of dollars each year on flu shots and over-the-counter medicines to fight the cold and flu. Not to mention the cost of lost wages from missing work. Instead of battling a cold or flu when you have it, try and prevent yourself from ever getting one. It can be as simple as washing your hands.
You can never wash your hands too often but make sure that you are scrubbing before and after you eat, or after visiting the restroom. If you work in an environment with a lot of people or you handle money it is a good idea to have an anti-bacterial rinse-free hand wash.
A trip to the ER is a quick way to shell out a few hundred dollars. Accidents around the home are a main culprit of ER visits. Making your house a safer place to live will prevent you from having unnecessary accidents that lead to expensive ER bills.
Visit the Home Safety Council at www.homesafetycouncil.org. You will find plenty of tips that will make your house safer for you and your family. You can also ask your home insurance company for any information they have on home safety.
Listen to your doctors. Ignoring your doctor's orders can lead to extra visits or procedures. It's pretty simple; if you have the flu and your doctor says you should stay in bed, don't fight it out by going to work. All you are doing is taking the chance of it getting worse as well as passing it on to your co-workers. Same thing goes with a strained or broken bone. Stay off of it and allow it to heal. It's not worth the chance of doing permanent damage.
Maybe you can use a couple of these tips to help you save a little more money when it comes to your healthcare.
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