Monday, July 22, 2013

Finding Affordable Health Insurance

health insurance
Finding Affordable Health Insurance
Sifting through the maze of health insurance services and information can be overwhelming and sometimes scary.  When surveying ways to save money you need to look at all of your options, not just your insurance coverage, because sometimes paying out of pocket can be less expensive in the long run.

 Reduced Fees for Paying Cash

Ask your health care professional if they have a reduced fee if you pay cash.  Most health care professionals want to help and they understand that you are more likely to come in for treatment if you can afford to.  Many health care professionals will cut fees by 50-75% if you ask them for a cash discount. But beware of medical discount plans! These plans are often marketed by big name companies as health insurance but they are nothing more than a discount card and can actually cost you money.  Medical discount plans usually come with large co-pays and the health care professional will charge you the full price to boot. Sliding Fee Scales

Consider a doctor who charges on a sliding fee scale.  This is a common practice and there are many nationally acclaimed doctors and dentists that will work this way.  The intake specialist will ask you for verification of your income and expenses and then set a fee based on what you can afford.  The professionals that work this way don't usually compromise on service and are usually quite caring.  A variety of professionals offer this option from dentist to acupuncturists.
Use Clinics for Routine Services

Many retailers, such as Walgreen's offer routine health care shots and screenings for all ages.  These clinics will give you substantial savings on routine screening for diabetes, allergies as well as low cost flu shots.  If you don't have insurance, or you are under insured, take advantage of these clinics to help prevent a doctor visit in the future.

Ask for Generic Upfront
When your health care professional gives you a prescription, make sure you ask the pharmacist for the generic first.  Generic prescriptions are usually exactly the same as the name brand; your pharmacist can verify this for sure.  These generic prescriptions are often a fraction of the cost of the name brand drug.

How I became Considering frugal

Fueled by the growing list of pollution related allergies my family suffered from each day, and inspired by my 97 year old grandmother who could recycle ANYTHING before recycling was cool, back in 2011, I decided (in the spirit of the Julie/Julia Project...) to embark on a journey to see just how much one family could do to change our planet. I didn't consult any other parties before I launched this idea. Thankfully my husband, daughter and son are usually my biggest supporters. Here is the catch; as I'm normally very thrifty (you can note from early blog posts), I was looking for ways that I could reduce our carbon footprint and make socially responsible purchases without increasing our spending. Mmmmmm. We succeed in changing some of our habits a bit and finding ways to reduce our footprint. There were lots of fun epic fails alone the way too! But the biggest change we have made over the course of the last six years, was to move from the mega city of Phoenix to Wyoming. You can read my full bio on my About Me page.

Legal Disclaimer

While it is true that I am working on a PHD in Psychology and very smart and frugal, I am not a medical doctor, criminal, personal or accident lawyer. I do not sell insurance nor am I an accountant or mortgage advisor. While some of my posts may offer good ideas on home, health and business solutions, I am not personally responsible nor is Considering frugal for any advice, ideas, recipes or menu plans that you decide to use. This blog is intended to be helpful and fun. Any products you purchase from my Amazon store or any other retailer advertised on my blog must be returned to them. I may sometimes endorse a product that I love. This is simply my opinion, you must try all products at your own risk. While I personally do not use tracking cookies or share information, my affiliates are third parties and they may do so. Please click, travel and purchase at your own risk.

frugal advice

"...for your Father knows what you need before you ask." Matthew 6:8