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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 August 4, 2020

8 Benefits of a Minimalist Lifestyle That Get You to Live With Less

8 Benefits of a Minimalist Lifestyle That Get You to Live With Less

Minimalism is a way to put a stop to the gluttony of the world around us. It’s the opposite of every advertisement we see plastered on the radio and TV. We live in a society that prides itself on the accumulation of stuff; we eat up consumerism, material possessions, clutter, debt, distractions and noise.

What we don’t seem to have is any meaning left in our world.

By adopting a minimalist lifestyle, you can throw out what you don’t need in order to focus on what you do need.

I know first hand how little we actually need to survive. I was fortunate enough to live in a van for four months while traveling throughout Australia. This experience taught me valuable lessons about what really matters and how little we really need all this stuff we surround ourselves with.

Less is more.

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Living a minimalist lifestyle is reducing.There are a few obvious benefits of minimalism such as less cleaning and stress, a more organized household and more money to be found, but there are also a few deep, life-changing benefits.

What we don’t usually realize is that when we reduce, we reduce a lot more than just stuff.

Consider just some of the benefits of living with fewer possessions:

1. Create Room for What’s Important

When we purge our junk drawers and closets we create space and peace. We lose that claustrophobic feeling and we can actually breathe again. Create the room to fill up our lives with meaning instead of stuff.

2. More Freedom

The accumulation of stuff is like an anchor, it ties us down. We are always terrified of losing all our ‘stuff’. Let it go and you will experience a freedom like never before: a freedom from greed, debt, obsession and overworking.

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3. Focus on Health and Hobbies

When you spend less time at Home Depot trying unsuccessfully to keep up with the Joneses, you create an opening to do the things you love, things that you never seem to have time for.

Everyone is always saying they don’t have enough time, but how many people really stop and look at what they are spending their time doing?

You could be enjoying a day with your kids, hitting up the gym, practicing yoga, reading a good book or traveling. Whatever it is that you love you could be doing, but instead you are stuck at Sears shopping for more stuff.

4. Less Focus on Material Possessions

All the stuff we surround ourselves with is merely a distraction, we are filling a void. Money can’t buy happiness, but it can buy comfort. After the initial comfort is satisfied, that’s where our obsession with money should end.

We are bombarded by the media presenting promises of happiness through materialistic measures. It’s no wonder we struggle everyday. Resist those urges. It’s an empty path, it won’t make you happy.

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It’s hard not to get roped into the consumerism trap. I need constant reminders that it’s a false sense of happiness. I enjoy stuff, but I also recognize that I don’t need it.

5. More Peace of Mind

When we cling onto material possessions we create stress because we are always afraid of losing these things. By simplifying your life you can lose your attachment to these things and ultimately create a calm, peaceful mind.

The less things you have to worry about, the more peace you have, and it’s as simple as that.

6. More Happiness

When de-cluttering your life, happiness naturally comes because you gravitate towards the things that matter most. You see clearly the false promises in all the clutter, it’s like a broken shield against life’s true essence.

You will also find happiness in being more efficient, you will find concentration by having refocused your priorities, you will find joy by enjoying slowing down.

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7. Less Fear of Failure

When you look at Buddhist monks, they have no fear, and they have no fear because they don’t have anything to lose.

In whatever you wish to pursue doing you can excel, if you aren’t plagued with the fear of losing all your worldly possessions. Obviously you need to take the appropriate steps to put a roof over your head, but also know that you have little to fear except fear itself.

8. More Confidence

The entire minimalist lifestyle promotes individuality and self reliance. This will make you more confident in your pursuit of happiness.

What’s Next? Go Minimalism.

If you’re ready to start living a minimalist lifestyle, these articles can help you to kickstart:

Featured photo credit: Unsplash via unsplash.com

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