Medical Care * Schedule office visits, tests, and exams that you need, but have not yet had this year, especially if they are covered expenses or if you have met your deductible. * If you have a flexible spending account (FSA), make sure to use it all by the yearly deadline date. You lose what […]
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Medical Care * Get services from in-network providers. If it is essential for you to see an out-of-network specialist, call your health insurer’s pre-certification department and ask if it will cover services at the in-network rate. * Before you go, ask how much the visit will cost. For each visit, ask again. Ask if a
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Medical Care “See” what you can do to get free or low cost vision care. Get a list of state and national resources for free and low-cost aid fromwww.nei.nih.gov/health/financialaid.asp. Eyeing eye care. It costs less to have an eye exam from an optometrist than an ophthalmologist. An optometrist (O.D.) is trained and licensed to examine
Medical Care Hunt for hospital quality. Choose a hospital that has a good success record with the kind of surgery you need. You are less likely to die or have serious problems if the hospital does the surgery a lot. What is “a lot”? Some experts say the hospital should do a surgery at least
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Medical Care Ask for freebies. If you are prescribed a new medicine, ask your doctor if you can have free samples or a prescription for fewer tablets. This allows you to try the medicine before you pay for a full month’s supply. No frills pills. Instead of brand name drugs, ask for generic ones. These
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Medical Care * Use a medical self-care book. It helps you choose when to seek medical care for a problem and when to treat it on your own. It gives information to help you feel confident when caring for the problem and helps you learn what to do to lower your risk of getting sick.
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Medical Care Don’t stay in the hospital unless you need to! The daily hospital rate in some sections of the country is now as high as $1,000. And that doesn’t include the costs for treatments, medicines, or doctor’s fees. The hospital should never be viewed as a place to get a good rest. Consider these
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Medication * Find out if medications are no longer needed and/or if you could reduce your need of any medication through lifestyle changes. * Take a list of the medications that your health plan prefers (formulary) to office visits. * Ask if one medication can replace the work of two or three. * Ask for
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Medical Care Take care of those teeth. Get a dental checkup twice a year. Brush your teeth two times a day. Floss one or more times a day. You will have something to smile about when you hear “no cavities” and receive lower dental bills. Look for advertised specials. Many dentists offer specials or discounts
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Medical Care Save with self-care. It is estimated that 23% of all doctor visits could be treated with self-care. Use online medical resources. Use credible sites. Look for ones that pass national standards. Examples are ones with the letters HON or URAC. Know when to go. If you have access to a Nurse Advice Line,
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