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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 May 28, 2020

How to Overcome Boredom

How to Overcome Boredom

Have you ever been bored? Restless? Fidgety? In need of some inspiration?

I have a theory on boredom. I believe that the rate of boredom has increased alongside the pace of technology.

If you think about it, technology has provided us with mobile phones, laptops, Ipads, device after device – all to ultimately fix one problem: boredom.

What is Boredom?

We have become a global nation that feeds on entertainment. We associate ‘living’ with ‘doing’. People now do not know how to sit still, and we feel guilty when we are not doing anything. Today, inactivity has become the ultimate sin.

You might not realize it, but boredom stimulates a form of anxiety and stress. It evokes an emotional state that creates frustration and feeds procrastination.

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It’s a desire to be ‘doing something’ or to be ‘entertained’ – it’s a desire for sensory stimulation. What it boils down to is a lack of focus.

If you think about those times when you’re bored, it’s usually because you did not know what to do. So, indecision also plays a big part.

When we are focused on what’s important to us and what we want to achieve, it’s pretty hard to be bored. So, one answer to boredom is to become focused on what you want.

Sometimes It’s Good to Be Bored

If boredom is a desire for sensory stimulation – then what’s the opposite of that? To be content with no stimulation – in other words – to enjoy stillness.

Sometimes, it’s not boredom itself that causes the frustration but the resistance to doing nothing.

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Think about it. What would happen if you were to ‘let go’ of the desire to be entertained? You wouldn’t be bored anymore, and you will feel more relaxed!

In my experience, it’s often the most obvious, simplistic solutions that are the most powerful in life. So, when you’re bored, the easiest way to combat this is to enjoy it.

It may sound weird but think of ‘boredom’ as a form of ‘relaxation’. It’s a break from the constant stimulation that 21st-century living provides – constant TVs, mobile phones, radios, internet, emails, phone calls, etc.

Who knows, maybe ‘boredom’ is actually good for us?

Next time you’re ‘feeling bored’ instead of feeding the frustration by frantically looking for something to do, maybe you can sit back, relax, and savor the feeling of having nothing to do.

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In this article, I’ll share with you my 3-step strategy on how to overcome boredom.

3-Step Strategy to Overcome Boredom

1. Get Focused

Instead of chasing sensory stimulation at random, focus on what’s really important to you. Focusing on something important helps prevent boredom because it forces you to utilize your time productively.

You should ask yourself: what would make good use of your time? What could you be doing that would contribute to your major goals in life?

Here are a few ideas:

  • Spend some time in quiet contemplation considering what’s important to you.
  • Start that creative project you’ve been talking about for the last few weeks.
  • Brainstorm: think of some ideas for new innovative products or businesses.

2. Kill Procrastination

Boredom is useful in some ways because it gives you the energy and time to do things. It is only a problem if you let it. But if you use it to motivate yourself to be productive, then you can more easily overcome boredom.

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So, the next time you’re bored, why not put this good energy to use by ticking off those things that you have been meaning to get done but have been too busy to finish? This also presents a great time for you to clear your to-do list.

Here are some ideas:

  • Do some exercise.
  • Read a book.
  • Learn something new.
  • Call a friend.
  • Get creative (draw, paint, sculpt, create music, write).
  • Do a spring cleaning.
  • Wash the car.
  • Renovate the house.
  • Re-arrange the furniture.
  • Write your shopping list.
  • Water the plants.
  • Walk the dog.
  • Sort out your mail & email.
  • De-clutter (clear out that wardrobe).

3. Enjoy Boredom

If none of the above solutions work, then you can try a different approach. Don’t give in to boredom and instead choose to enjoy it. This doesn’t mean allowing yourself to waste your time being bored. Instead, think of it as your time to relax and re-energize, which will help you be more productive the next time you work.

Contrary to popular belief, we don’t need to be constantly doing things to be productive. In fact, research has shown that people are more productive when they take periods of rest to recharge.[1] Taking breaks once in a while helps boost your performance and can help make you feel more motivated.

So, take some time to relax. You never know, you might even like it.

Final Thoughts

Learning how to overcome boredom may be difficult at the beginning, but it can be easier if you make use of some techniques. You can start with my 3-step strategy on how to overcome boredom and work your way from there. So, ready your mind and make use of these tips, and you will be overcoming boredom in no time.

More Tips on Overcoming Boredom

Featured photo credit: Johnny Cohen via unsplash.com

Reference

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