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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 January 26, 2021

Science Says A Glass Of Red Wine Can Replace 1 Hour Exercising

Science Says A Glass Of Red Wine Can Replace 1 Hour Exercising

Are you a red wine drinker? What if I tell you sipping in a glass of wine can equate to an hour of exercise? Yup, it’s tried and tested. A new scientific study has just confirmed this wonderful news. So next time you hold a glass of Merlot, you can brag about one hour of hard workout. Rejoice, drinkers!

What the study found out

“I think resveratrol could help patient populations who want to exercise but are physically incapable. Resveratrol could mimic exercise for the more improve the benefits of the modest amount of exercise that they can do.”

(applauds)

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I’m not saying this, but the study’s principal investigator Jason Dyck who got it published in the Journal of Physiology in May.

In a statement to ScienceDaily, Dyck pointed out that resveratrol is your magic “natural compound” which lavishes you with the same benefits as you would earn from working out in the gym.

And where do you find it? Fruits, nuts and of course, red wine!

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Did I forget to mention Dyck also researched resveratrol can “enhance exercise training and performance”?

There are limits, of course

But, all is not gold as they say. If you’re a lady who likes to flaunt holding a glass of white wine in the club or simply a Chardonnay-lover,you have a bad (sad) news. The “one hour workout” formula only works with red wine, not non red wines. And don’t be mistaken and think you’ve managed 4 to 6 hours of workout sessions if you happen to gulp down a bottle of red wine.

And what can replace the golden lifetime benefits of exercise?Exercise is just as important as you age. Period! But hey, don’t be discouraged; look at the bigger picture here. A glass of red wine is not a bad deal after all!

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The health benefits of red wine

But just how beneficial is the red alcoholic beverage to your body? As we all know red wine is a healthier choice youc an make when boozing.

Let’s hear it from a registered dietitian. Leah Kaufman lists red wine as the “most calorie friendly” alcoholic beverage. Sure, you won’t mind adding up to a mere 100 calories per 5-ounce glass of red wine after you realize it contains antioxidants, lowers risk of heart disease and stroke, reduces risk of diabetes-related diseases, helps avoid formation of blood clots and lowers bad cholesterol level.

Wantmore? Wine could also replace your mouthwash because the flavan-3-ols in red wines can control the “bad bacteria” in your mouth.To add to that list of benefits, moderate wine drinking may be beneficial for your eyes too – a recent study mentions.

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Be aware of the risks, too

Having mentioned all the ‘goods’ about red wine, you cannot underplay the fact that it is still an alcohol, which isn’t the best stuff to pour into your body. What is excessive drinking going to do to your body? Know the risks and you should be a good drinker at the end of the day.

However, you don’t want to discard the red vino from your “right eating”regimen just because it stains your teeth blue. M-o-d-e-r-a-t-i-o-n. Did you read that? That’s the operative word when it comes to booze.

By the way, when chocolate is paired with wine, particularly red, they can bring you some exceptional benefits towards your health.But again, if you tend to go overboard and booze down bottles after bottles, you are up for the negative side of alcohol, and we all know what too much of sweetness (sugar) can do to our body (open invitation to diabetes and heart diseases if you aren’t aware).

Folks, the red grape beverage is certainly a good buy to have a good hour’s worth of cardio, provided you keep the ‘M’ word in mind. Cheers!

Featured photo credit: James Palinsad via flickr.com

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