How to Save Money on Healthcare Costs
It is no secret that healthcare has become more and more expensive in recent years. In fact, it’s one of the most debated topics of discussion in this country. Because of the high premiums, copays, and deductibles, many people are forced to choose between their household and their health. Fortunately, there are ways to cut out-of-pocket costs and still receive quality medical treatment. Here are a few ways to save some money on your healthcare.
Prevention and early detection are extremely important. The longer medical issues go undiagnosed or untreated, the harder it is to get better. These conditions can also develop into something even more serious. This is why you should, at the very least, get a physical every year and regular STD tests if you are sexually active. Cancers have become more aggressive and many STDs are resistant to medicine. These standard visits can save you hundreds, maybe thousands, of dollars for other treatments and medications.
Generic Medications & Supplements
Unfortunately, prevention is not always an option. There are those who must take medications and see their doctor regularly in order to manage their medical condition. This can be difficult to do when you are struggling financially. Another strategy to consider is switching to generic prescriptions. The cost of brand-name prescriptions has increased at a more alarming rate than treatments. Generics are usually much cheaper than brand-name options. Depending on your condition, you may also be able to take over-the-counter medications or supplements. Although they are not typically covered by insurance, they can be much more affordable when available.
Don’t Put Your Eggs in One Basket
Most people are accustomed to getting their health insurance from one company. However, with recent changes to the industry, it may be more affordable to enroll in a few different plans in order to supplement your coverage. In addition to employer or individual health insurance, there are other types of options that will work with your current coverage. For example, if you have a high deductible plan, you can purchase a hospital indemnity or accident plan to couple with it. In the event of an injury, these plans will pay you directly. You can use this money to cover your costs before you have met your deductible. These plans usually have low premiums as well, so you can protect yourself without creating more debt.
These tips and strategies may not eliminate the stress of affording quality medical care. Hopefully, they can help ease the burden and make it easier to fit into your budget. It is also a good idea to speak with your doctor. As providers, they understand how difficult it can be to afford healthcare. They may have suggestions to help you with out-of-pocket costs. Also, many doctors and facilities now offer their services on a sliding scales, meaning they will adjust your bill according to your household income. It doesn’t hurt to ask and your health is worth any potential inconvenience or embarrassment.
Author Bio: Paige Jirsa– I work with https://stdtestingfacilities.com/, which provides users same day STD testing in a discrete and proficient manner.