Financial Tips

Life and Credit : Save Money on Healthcare

Get the most out of your insurance...

Carry only one health and accident insurance policy and know your coverage. Stay on top of things to make sure you receive maximum coverage for the medical services you need. If you have outstanding medical bills over and above what insurance pays, negotiate directly with your healthcare provider to "AWIP" (Accept What Insurance Pays).

Save money on prescriptions by shopping around and asking for prices. Ask your pharmacist if there is a generic drug that is a true equivalent. And investigate buying discount prescription drugs and contact lenses through reputable national wholesalers at toll-free numbers.

Get the most out of your community...

For children's immunizations, use free clinics and research services offered by the health department. Find out when local grocery stores and drug stores are offering free flu shots and health screenings. Listen to family and friends when they suggest you see a doctor for chronic symptoms like coughing. Early detection can prevent costly treatments later.

It goes without saying, but here it is...

Exercise, eat right and get regular check ups. Quit smoking, stop drinking and stay away from addictive drugs. Do this and in the short run you'll save money because cigarettes and supersize meals are expensive! In the long run, you'll save a bundle on healthcare costs-and who knows, you might even save your own life.