Regular visits to the doctor or dentist can help you stay physically healthy, but you might be concerned with how they impact your financial health when paying for care. If you’re looking for ways to save on healthcare costs, here are some helpful strategies to try.
Save on prescriptions
Cut prescription drug costs by opting for generic instead of name brand. Checking for manufacturer coupons and signing up for a free prescription discount card can also add to savings.
Some prescriptions are cheaper when purchased in bulk. Compare prices and talk to your doctor about writing a longer-term prescription. While you’re at it, ask for free samples of the medicines you’re taking.
Save on doctor visits
Review your health insurance annually, so you know what’s covered and how much you’ll pay for co-pays, co-insurance, and premiums. It’s okay to shop around for lower rates on health insurance.
Use your insurer’s in-network providers as often as possible and remember to ask for self-pay discounts for services not covered by your policy. And before paying out of pocket, appeal claims that have been denied.
Health care clinics and health fairs can offer medical and dental check-ups at a reduced charge (sometimes at no cost). And always talk to a nurse before scheduling non-emergency doctor visits. Your doctor may be able to diagnose you and/or issue a prescription for you over the phone, saving you money on a co-pay.
Other ways to save
Look into patient assistance programs for low- and moderate-income households. Review medical bills and ask for explanations of costs you don’t understand—billing errors can make care more expensive. Your best approach is to stay healthy by washing your hands, eating well, and getting regular exercise, which can reduce the need for doctor visits.
Taking care of yourself is important. Putting these tips to work can help you stay on top of your health without draining your budget.
Fulton Bank N.A. Member FDIC.
