|
Oct 17
2008
|
Cut Medical CostsPosted by Brett Peterson in parenting, health care, general health, afflictions |
I read an interesting article today from WalletPop.com about simple ways to cut your medical costs. I am a huge proponent of preventative health. The way I keep my costs down is I STAY HEALTHY so I don't have to pay money to doctors and hospitals! Unfortunately, I do have to visit every once in awhile, so I found the information in this article helpful. In a nutshell, here is what I got out of it:
Americans spend an average of $7600 per person per year on health care, and its getting worse. They suggested doing a few simple things to ease the pain.
- get prescription drugs at discounts! get coupons, or go to retailers like Wal-Mart and Target that have drug discount programs. Also, consider generics.
- Ask your doctor for free samples when you are considering a prescription.
- Learn how to use a flexible spending account and talk to your employer about these.
- Deduct your medical expenses on your taxes. Yes, that means keeping a good record of your expenses!
- Consider taking part in clinical trials
- This one was big, so I quote it: "
The key is to ask for a discount. Insurance companies get as much as a 40% to 60% discount, so ask for that first. According to a survey by Consumer Reports National Research Center, only 31% of Americans have even tried to negotiate their medical bills; of the ones who have, though, 93% were successful in getting a discounts, so go for it!
Just make sure you talk to the right person -- usually that's the head of billing. If he or she doesn't have the power to negotiate, ask to speak to someone who can.
" - Review your bills! They can make mistakes
- Dont take no for an answer on your medical claims, keep trying
- Buy medical supplies yourself, such as crutches etc so you dont have to pay the outrageous hospital and clinics prices.
- Stay in your insurance network!
to read more, go to http://www.walletpop.com/blog/2008/10/15/11-simple-ways-to-slash-your-medical-costs/





