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11 Ways To Save Money On Medical Bills

11 Ways To Save Money On Medical Bills

CNBC reports that nearly 2 million Americans file bankruptcy annually as a result of unpaid medical bills. It’s not just the uninsured that are suffering. Nearly 10 million Americans with health insurance are still struggling to pay off their medical bills due to high-deductible insurance plans. Here are a few tips to help you save money on your medical bills.

1. Choose an in-network provider

If you have a PPO insurance plan, pick a doctor within your network for the biggest savings. Your cost will be significantly higher if you visit a doctor outside of your network. Most insurance plans will let you browse their list of in-network physicians online. Make a list of doctors you would like to visit ahead of time.

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2. Write down your symptoms & questions

Jot down your symptoms and questions ahead of time on a piece of paper or on your smartphone. This will ensure that all your concerns will be addressed during the visit and help you get the most out of your time. It can also prevent future visits.

3. Join a medical trial

If you have a chronic illness, find out if there are any local clinical trials that you can partake in. Joining a trial may give you access to the latest medications and significantly lower your prescription and medical bills.

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4. Comparison shop

Many health insurance plans pay a percentage of your medical fees but that doesn’t mean that all doctor’s offices will charge the same fee for a particular procedure. It’s perfectly fine to shop around and call various offices in order to find out how much they charge.

5. Partake in free screenings

Most insurance plans include annual free exams and numerous preventative screenings. Participating in these tests can help catch serious problems before they progress and save you money in the long run. Some pharmacies, such as Walgreens, also offer free health screenings including a cholesterol and diabetes assessment.

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6. Call in for recurring issues

If you have a minor recurring issue like allergies or a pink eye, call the doctor’s office for a phone consultation instead of stopping by. You can also reorder a prescription without having to visit the office.

7. Perform tests for yourself

If you have a chronic condition such as high blood pressure or are diabetic, invest in a high blood pressure monitor or glucometer. This will enable you to monitor some of your own symptoms and take a proactive stance towards your own health care.

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8. Opt for generic medications

Most generic medications are just as effective as their more expensive brand-name counterparts. Ask for the generic version if it’s available. Providence reports that patients are more likely to use generic drugs on a regular basis while brand name medications are more likely to be left untouched.

9. Research online

WebMD allows you to narrow down your symptoms and learn more about your current illnesses (if any). Gaining knowledge about your health condition will give you more insight when dealing with your doctor. DoctorSpring lets you ask a doctor questions online about your symptoms and even upload photos of your condition. This can be helpful if you have a medical question that’s not an emergency.

10. Ask for a discount

If you need a procedure performed that’s not covered by health insurance, ask your doctor for a discount. You’ll have a better chance of success if you ask your doctor instead of the office manager, who is more likely to decline. Forget about asking for a discount on your co-pay; you’re obligated to pay the full amount legally.

11. Ask for free samples

If your doctor prescribes a pricey brand name medication that you’ve never used before, ask for a free sample. Doctor’s often receive free samples from various prescription brands. You may end up with a supply that will last you a few weeks if not a month.

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Jacqueline Cao

Entrepreneur

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Last Updated on October 6, 2020

6 Signs It’s Time to Change Your Life

6 Signs It’s Time to Change Your Life

Is it time to make some changes in your life? It just might be. Life is too short to not live it to the fullest.

Here are some signs it’s time to change your life.

1. Every week, you cannot wait for Friday.

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    Fridays are fun, but one thing I’ve discovered in my quest to find and do work I absolutely love is that almost every day can be really fun. If you’re saving all your living for the weekends, it’s time to truly think about your lifestyle and consider making some changes. Don’t get me wrong; it’s great to have plans you look forward to on the weekends, but what if you could have that excited Friday feeling most, if not all, days of the week? It takes a lot of self-discovery and work, but it’s truly possible to live a life you love—even on Mondays.

    2. You live for your vacations.

    Vacations are great, but what’s even better is building a life you don’t need to take a vacation from. As Seth Godin said, “Instead of wondering when your next vacation is, maybe you should set up a life you don’t need to escape from.” Vacations are fun and exciting, but even better is building a life where you have the potential to do what lights you up many weeks of the year, not just your two allotted vacation weeks.

    3. When you stop and think about it, you’re really not focusing your life on your priorities.

    Write down your 3 top priorities. Then write down the 3 things you focus most of your life on. Are you spending your time living your top priorities? Consistently spending time doing what matters most to you is one of the keys to feeling fulfilled in your life. If you’re not focusing your life on what’s important to you, it’s time to make some changes.

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    4. You have no idea what lights you up, and you don’t have the space in your life to discover it.

    If you haven’t found your passion in your current life, you’re not going to find it if you continue to do your same routine, over and over, year after year. In order to discover what lights you up, start by creating the space in your life to seek it. Give yourself time to figure out who you are, what your strengths are, and what picques your interest. Experiment with learning new things, spending time with inspiring people, and doing more of what excites you and less of the things that suck your energy.

    5. You’re frequently jealous.

    If you find yourself frequently feeling jealous of someone, there are 3 changes to consider making:

    1. Make a point to focus on your path instead of his or her journey. Sometimes this involves taking a break from social media.
    2. Get inspired from the person you’re jealous of, and work toward a similar goal in your life.
    3. Decide what the other person has is not something you are willing to put in the effort to achieve, so you’ll cheer him or her on but choose to not be jealous.

    When you are feeling jealous, consider why you want what the other person has, and what your motives are. Living a life on your terms, focused on your priorities, passions, and strengths, will provide you with much more fulfillment than trying to be somebody else.

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    6. You can’t remember the last time you stepped out of your comfort zone.

    According to Neale Donald Walsch, “Life begins at the end of your comfort zone.” Your life can become even more amazing if you stretch beyond your comfort zone. If you’re not sure where to start, try the tips in this article about small ways to step out of your comfort zone.

    Life is too short to spend your years not living to your full potential. If you decide you’re ready to change your life, I encourage you to start taking small action steps toward the life you want to live. Keep moving forward.

    Check out this video if you’re ready to make a change in life:

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    Featured photo credit: Lauren McKinnon/https://flickr.com via flickr.com

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