Start your new year more aware of health services in relation to your wallet. Here are some tips to help you "are medical debt" this year:
1) Check your PLAN:
Whether you are not a PPO, HMO or HSA, you forget your plan for the new year review! Has changed their policy, has had its new preventive measure, or you have your doctor drops your policy? Do not assume your policy is still the same, even if you just renewed your same last for years. Small changes can meangreat expense the next time you visit your doctor.
2) Try NEGOTIATING THIS YEAR AND PAY CASH:
Talk to your doctor and tell him / her try to cut costs and this year if he or she can help. Offer to pay cash in advance or see if you find out a payment plan for a discount.
3) Shop Around:
Whether for a hospital or a pharmacy, the prices vary. Out with a hospital, which included in your stay. Share the accounts that you planned for the "nameprecise surgery "with" name doctor "on" date. "In dealing with the pharmacy they give the name and the quantity you need from your medicine. Do you not call on the wholesale club password, even if you do not have a membership! You how much you can save may be surprised!
4) if the HEALTHCARE EXPOS FIND:
You get a free screening at a local health expo. Save these results and bring you into your next check.
5) start exercising and eating right:
HaveYour doctor can help you, the right diet and exercise for you? Do you have to pay most of your sodium intake, or tomato sauce will reflux? Do you have bad knees? What exercise is best for you? Set some goals this year.
6) Save your receipts:
Whether it's over-the-counter drugs, or driving to work on your doctor, they document all! The IRS lets you deduct medical costs exceed 7.5% of gross income. This is a high bar, butThe list of eligible expenses is quite extensive, including insurance premiums, dental X-rays, fertility treatments, normal weight-loss and stop-smoking programs, and even LASIK. See irs.gov/publications/p502 for details.
7) check:
Everyone makes mistakes, your insurer, the hospital, the doctor's office, the pharmacy and yes, even your doctor. We are all human beings be so sure, ask questions, ask for an itemized bill and add the fees untilitself, etc. Do not assume not. Write down the answer, the person who gave the answer that the date and their contact information so you go again, that person may, if it is a mistake. If you do not ask, you are authorized to someone else with you health, and that can cost thousands at the end!
ไม่มีความคิดเห็น:
แสดงความคิดเห็น