|Finding Affordable Health Insurance|
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.