Are you cutting back on prescriptions, doctors visits and other medical expenses because times are tough? That may be unnecessary with these tips for reducing your out-of-pocket medial expenses, from Thrivent Magazine.
- Ask your doctor for samples so you can test a medication before buying it. Also ask if you doctor has company-sponsored gift cards that allow you to get a free short-term supply of medicine at the pharmacy.
- Befriend your pharmacist. Prescriptions are often priced by the number of pills, not the strength. See if your pharmacist will split a higher dosage pill to save you money.
- Set up a Flexible Spending Account so you can use pre-tax dollars to pay for prescriptions, co-pays, eyeglasses, and other medical expenses. You can still enroll for 2009 – but the deadline is…… Jan. 31. The catch is that if you don’t spend all the money you do not get it back, so carefully your known medical expenses.
- Consider disability insurance if being unable to work means you would not be able to pay for health care.
- The prices of regular procedures like lab tests, x-rays and more can vary widely from one practice to another. Call around to compare rates. Even if your health insurance pays for most of the fee, lowering the total fee will mean you have to contribute less.
- Prevent serious illness and chronic diseases with regular check-ups and vaccinations. Like you car, regular maintenance can prolong your life.
- Exercise at least 2 1/5 hours a week and eat healthy.
- Ask your doctor and pharmacist for generics.