Medical treatment is by far one of the easiest ways to completely empty your wallet, particularly in the United States. It’s been the topic of debate for quite some time, as the leaders of the country try to reduce medical costs through various means. However, there are several methods you can employ to save you and your family’s medical costs.
1. Go to the clinic before an illness becomes too serious.
It’s hard to convince some people to go to the doctor. Whether they are stubborn or just dislike doctors, some people – especially men – feel like if they ignore an illness long enough, it’ll go away. While this is true most of the time, it isn’t always, and if there are signs that an illness might be something more serious, it should be examined before it becomes a major situation that requires emergency care. A quick visit to your family doctor will generally run you anywhere from $100-$200 dollars, whereas a visit to the emergency room starts at about $1000 and adds up from there.
2. Find a doctor who can set up a payment plan.
It’s tough to go the doctor when you can’t afford the entire payment at once. That’s why it’s important to find one who can set up a payment plan for your bill; by paying a little bit each month, you are under less financial strain, and you are still able to whittle away at the costs bit by bit. For example, if your child has a jaw or bit issue and needs braces, places like Jensen Orthodontics in Bedford will set up monthly payment plans that you can afford.
3. Ask for Medicare rates.
If you don’t have health insurance, medical costs can be ludicrously high. However, ask your physician if you can pay the Medicare rate. The Medicare program is a government funded program for those with low income, so you may qualify without realizing it. This program can help save you money in the long run on standard procedures as well as medication. You can also just negotiate your medical bills with the billing department to see if they will settle on a lower payment.
4. Buy generic.
Brand name medicines are no different than generic medicines. It’s the same chemicals and substances in both; when your doctor prescribes you a treatment, ask him if there is a generic version you can get instead. The generic brands often cost much less money than the name brands. For instance, Equate headache pills as opposed to Advil. Going generic can be the difference in paying $10 for a prescription and paying $80 for the same medication.
5. Turn down optional services.
Many physicians have a routine they follow which often results in you getting charged for services performed. Before your doctor gets started, ask him if you can skip any optional services, or if there are any discretionary services that can be delayed until a later time. This is a fantastic way to cut down on the cost of a standard visit.
Medical care is an expensive but necessary part of life, but that doesn’t mean you have to pay full price for everything. Take the time to make sure you’re getting the best deals on whatever you have to pay in order to save yourself some dough.