Tips to Save Money on all your Health Care Needs – Part 1

After housing costs healthcare costs are likely the second largest expense that you and your family have. The sad fact is that nearly 30% of middle income families are finding it hard to pay for their health care and health insurance and that number continues to rise. It is with this in mind that many people are searching for ways to lower their health care bills and it’s the reason that we put together a 5-part blog series on tips that will help you save money on all your health care needs. There is a lot here to digest so let’s get started. Enjoy.

  1.         If you have small children that need to get their vaccinations but you’re not insured or your plan doesn’t cover the shots you can get those vaccinations for free from the federal government’s Vaccines for Children program. You can find details of the program at www.CDC.gov
  2.         If you suffer from a chronic disease such as diabetes or other common ailments like allergies you can actually join a clinical trial and get free medication and treatment. There are some trials that will even pay you and, if you would like to see the federally funded database that includes all of these private medical trials you can go to Www.clinicaltrials.gov
  3.         There are nearly 900 Planned Parenthood clinics around the United States where women can get inexpensive OB/GYN care and also contraception. Find the nearest Planned Parenthood clinic at www.PlannedParenthood.org
  4.         Screenings for cancer and other deadly diseases is vitally important but can also be quite costly. The Breast and Cervical Cancer Prevention and Treatment Act was created to provide uninsured women with mammograms, paps, pelvic exams and other diagnostic testing for free or at a greatly reduced cost. You can find a clinic on the CDC website.
  5.         On your next visit to your medical doctor (and all subsequent visits) don’t be shy about asking for a discount. The fact is, many doctor’s offices will discount your cost if you pay cash. Also, if you have had a stay in your local hospital you can contact the hospital and ask for a discount if you’re having trouble paying. The reason here, frankly, is that the hospital sees any payment as better than no payment. In many cases they will be more than happy to work with you.
  6.         If you need to have lab work done you can actually shop around and find better prices at private labs around your area.  Surprisingly, your local hospital may charge you five times more than a comparable lab for your work,  a very strong reason for doing a few minutes worth of research to find a lab near you.
  7.         Unless you have a life-threatening medical emergency avoid going to the emergency room. The reason is simple; the average cost for an ER visit is approximately $1000 while the average cost for a doctor’s office visit is approximately $60. (We don’t have to do the math here for you, do we?)
  8.         Depending on the type of health care situation you have it’s possible that you can use a telemedicine service such as www.TelaDoc.com. This will normally cost you about half as much as a traditional visit to your medical doctor’s office.
  9.         If you need to have a procedure done check to find out if it can be done in your doctor’s office rather than at the hospital. This can literally save you thousands of dollars but your doctor might not offer the information because, frankly, he or she will make more money if you have the procedure done in the hospital.

We think you have to agree that those are some excellent tips and should save you at least a few dollars over the next weeks and months on your health-care costs. If you liked those then you’re in luck because we have 4 more blog articles coming your way, chock full of the same great advice, tips and real-world information that you need these days in order to save a buck. See you back here soon!

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