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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 December 13, 2018

12 Practical Tips To Stay Fit For Christmas

12 Practical Tips To Stay Fit For Christmas

Christmas is approaching fast, and lots of people not only tend to ruin their usual diets, but they also gain a few extra pounds. Based on studies, the majority of people tend to gain additional weight during the holiday season that starts at the Thanksgiving Day and ends with the New Year celebrations. Excessive eating is claimed to be the main cause for the additional weight gain, but it is also due to lack of physical activity and exercise.

A lot of individuals out there tend to set aside their fitness routines during the holidays since they believe that they do not have enough time to perform their workouts. And because they feel guilty after the holiday season, most of the gyms and fitness centers are packed with fresh members. Always bear in mind that you can still enjoy the holidays and stay fit at the same time. If you want to stay fit during the holiday season, especially during Christmas and the New Year’s Eve, here are some useful tips that might help you:

1. Eat Before Heading Out

First, it is best that you eat something before heading out to visits, trips or family dinners. By doing so, you will no longer be tempted to eat a lot or overindulge yourself since you have already eaten. Skipping on meals is not a good idea either, because you will only be forced to eat more later.

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2. Select The Treats

Make sure to select the treats that you eat in a wise manner. You should choose something that you can only enjoy during the holiday season and not something that is readily available all the time.

3. Avoid Skipping Meals

Don’t skip meals, especially breakfast! Even though it can be tempting to skip on certain meals, believing that it will make up for the treats you consumed in the previous day, don’t do it because it will only lead to counterproductive results.

4. Drink With Moderation

It is best to regulate your drinking since alcohol, coke or other juices will only add more calories to the ones you already eaten!

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5. Be Active

You should still perform your fitness routine whenever possible and if you can’t do that, simply walk more, park your car some distance away from the store or just use the stairs!

6. Get Out Of The House

Make the holidays a family affair and plan outdoor activities where everyone is involved. Even a snowball fight in the backyard will burn a lot of calories and will keep the children entertained.

7. Don’t Skip Your Strength Workouts

Always remember to perform your strength training in order to maintain that muscle mass you worked hard to get. You might be tempted to use lightweights and just do some cardio, but you can burn just as many calories by lifting weights. And with all of those extra stakes you had on the holiday meals, you might even gain some extra muscle. And this is much better than gaining some extra fat.

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8. Set Realistic Goals

You should set realistic exercise objectives. Aim for at least half an hour per day and you will be very happy when you will achieve that. If you plan one hour or more and not achieve it, you will only end up disappointed.

9. Enjoy Yourself

Also make sure to set realistic diet plans! Trying to restrain yourself totally from some foods will only make you eat more. Feel free to enjoy the treats that you really love, but in small portions.

10. Drink A Lot Of Water

This can satiate your appetite as well as keep you hydrated at all times. And it will also prevent a possible hangover if you overdo it with alcohol.

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11. Eat Less And More Often

Distribute your meals evenly throughout the day, and do not eat everything at once.  Instead of having 2 enormous meals, have 5 small ones.  Eat your dinner earlier and have a nice walk before going to bed.

12. Prioritize Your Workouts

Try to do them early in the morning while everyone else is still sleeping. This way you will also avoid remarks like “Oh, come on! It’s Christmas…”

So there you go! Twelve simple tips that will help you avoid gaining weight during the winter holidays, but will also allow you to enjoy yourself and have a great time with your loved ones.

Happy Holidays everyone!

Featured photo credit: rawpixel via unsplash.com

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