Protecting you and your family’s health shouldn’t put you in unhealthy debt. There are lots of ways to save money on your medical bills. Here are just a few ways that you can get the medical care you deserve without having to break the bank.
Medical insurance is the best way of covering healthcare costs. A small monthly fee could stop you having to fork out thousands in one go. It pays to shop around as different insurers will charge different rates. You may be able to customize a plan with some insurance companies that can allow you to pick the treatments that you want to be covered for. Raising you deductible and taking out a group scheme can also save you money. You should use sites like eHealthInsurance to compare rates.
Make use of club discounts
Signing up to some services can get you discounts on medical treatment. Certain gyms may offer a medical discount as an incentive for joining. Trade unions and organisations such as the American Farm Bureau Federation can also offer discounts. Most of these groups allow memberships to anyone (you don’t have to be a farmer to join your state’s Farm Bureau). That said, you want to make sure that you’re getting some use out of the club other than a healthcare discount.
Shop around for treatment
Different clinics may charge different rates for treatment. This is due to various factors such as the number of staff, the range of facilities and location of the clinic. Providing it’s not an emergency situation, it’s worthwhile shopping around treatment centers in your area. You should also shop around for medicine in many cases. Many people opt for the big brands as these are advertised the most, however cheaper generic brand medicine is likely to be just as effective caving gone through similar FDA tests to get on the shelves.
Use an advocate
For those on a low income, it’s possible to hire a medical advocate who can shop around for treatment for you, as well as negotiating costs directly with billing staff. This can help you to afford the treatment you deserve. ExHale Healthcare Advocates are just one such company that can provide this service.
Know your legal rights
It’s possible you may be legally entitled to money that could help cover medical costs. If your illness or injury is the result of someone else’s wrongdoing you are in your power to take them to court. There are many law firms out there such as Hausmann-McNally personal injury lawyers that specialize in making these legal claims. In some cases, these solicitors will operate on a no win no fee basis, so that you don’t have to pay anything until you’ve got your compensation. If you recently suffered from a work accident and this left you injured or disabled, you may consult an accident lawyer like these work related injury attorneys for injury claims and settlement.
Check your bills
Many people skim over their bills, but billing errors are surprisingly common. Check that you’re not paying for treatment that you didn’t have by reading over your bill. You may need to ask for a breakdown of costs so that you can get a better understanding of all the items making up your bill. With some treatment, it’s also possible to pay in advance. This might allow you to customize your treatment in certain scenarios and save costs. For example, when it comes to dental bills, you may be able to pay per tooth if you’re thinking of getting multiple fillings.
Take preventative action
It’s possible to lower your bills in many cases by taking preventative action. Check-ups can help to identify health problems that you may have whilst they’re still in their early stages. Small infections may be easily curable via antibiotics, but letting them spread could result in much more extensive and costly treatment as is often the result with oral infections that later result in teeth being removed. Living a healthy lifestyle is the best mode of preventative action. Many degenerative diseases can be attributed to a bad diet or lack of exercise. Therefore, if you can, go to a 24 hour gym and do some light exercises. Lower the cost of medical treatment by never needing it in the first place.
*Disclosure: This post was submitted on behalf of PennyMindingMom.com.