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Tuesday, December 20, 2016

Top 5 Ways You Can Save On Medical Costs!

Did you know that the average yearly medical cost for Americans is $10,345? Of course, this may not be your average medical cost as some Americans have very small costs while others have really high ones, but it gives a pretty good idea of how much money is being spent annually by Americans on medical.

While on the political scene healthcare is a hot topic for debate, there is no debate that the average American would be pleased to save money on their medical cost.

And though the figures of daunting, there are small things you can do to reduce your chances of high medical bills as well as to handle the bills when they get to you. Here our out Top 5 tips:

#1 Adopt a healthier lifestyle

This will give you benefits far beyond simply saving you money. Simply walking every day, taking the stairs instead of the elevator or cutting out soda can have a huge impact on your health.

If you are overweight, your risks of diabetes, heart disease and stroke, high blood pressure, some cancers, gallbladder disease and gallstones, breathing issues (such as asthma and sleep apnea), osteoarthritis, and gout all increase. Losing weight (in a healthy manner) will not only make you feel better, but can also save you money in medical costs in the long run. (Check out our Top 5 tips on weightloss to get started)

Another way you can make a big difference on your current and future health is by quitting smoking.

#2 Learn Basic First Aid and Home Remedies

Though not every medical issue is DIY, you can save on medical costs by studying basic first aid and home remedies. One of the best skills you will learn is how to identify when it really makes sense to see a doctor.

The best way to learn is to take a first aid course, but you can also study on your own for basic knowledge. You will find many resources online or may prefer to read a book in which case we recommend The American Red Cross First Aid and Safety Handbook.

When the condition is minor, you can also try some non-medical home remedies. Make sure you listen to your body and you seek medical attention if the problem is not minor or if it persists. But even when visiting your doctor, you should feel comfortable to discuss the possibility of solving an ailment without medication. Could this ailment be relieved by eating better? By changing your living conditions? By exercising?

#3 Check out Low-Cost and Free Clinics

Though these often get a bad rap, low-cost clinics vary greatly from clinic to clinic, and you should not immediately discount them as an option. They are a great way to treat a relatively minor ailment or to give you an opinion as to whether you need to go to a hospital.

To look for a clinic, you can check out this search tool by the National Association of Free and Charitable Clinics.

#4 Take Advantage of your Insurance Provider's Wellness Visits or Annual Check-ups.

Hopefully you are insured, and if you are, then you can save a lot in future medical costs by taking advantage of your annual check-up. Managing your health is the best way to prevent future medical costs.

#5 Negotiate or Seek Helps with your Bills.

Hospital bills are often negotiable. Some tools to negotiate your bill include to find a lower cost hospital and ask for the same rate or to calculate what Medicare would probably pay for a treatment  (usually about 27% of the cost) and offer that rate,

Hospitals will often negotiate since they know it will increase the chances that the bill will actually get paid and not end up in collections.

You may also be able to find charities or foundations that can help you with medical costs.
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