Unfortunately, looking after your health these days isn’t cheap. Surgeries, medications and general medical expenses can soon mount up, leaving many people unable to afford the healthcare they need. However, there are certain things you can do to limit your healthcare expenses as much as you can.
1) Pay In One Go
Obviously this is quite dependent on your current financial status, but you may find that paying your medical bill in one go can save you a lot of money in the long term. After all, medical companies are more interested in clearing the debt as soon as they can rather than waiting for instalments to dribble in over time, which puts you in a strong position to haggle for discounts. Paying your bill up front and in full can save you as much as 20% on your total bill.
2) Disclose Your Income
Although you may feel understandably unsettled about revealing your salary, it can make a huge difference to your medical bill. The healthcare provider is going to look at someone earning £25,000 much differently to someone on £250,000. Use your income to your advantage in order to secure discounts and fee waivers. However, it should be noted that this is only a tactic that works for people in lower income brackets – if you make a healthy salary, it’s best to keep it to yourself.
3) Utilise Free Screenings
If you are just in need of a check-up, there are plenty of facilities that offer such services for free to save you making a claim on your insurance. Drug stores and supermarkets often provide basic services such as blood pressure checks, while bigger hospitals and clinics can often screen for more serious illnesses such as cancer, diabetes and kidney disease.
4) Use Vouchers Where Appropriate
While many people think that group discount vouchers are only applicable to high street stores, the reality is that there are a wide variety of vouchers out there, even ones for medical operations. Online discount sites like Groupon are a great place to look to get cheap operations and treatment. They tend to offer a wide range of vouchers, and their healthcare coupons can cover everything from dentists, to laser eye surgery, and more.
5) Check Your Medication
Purchasing medicine on a regular basis is a sure-fire way to keep your medical costs high. However, most manufacturers provide a range of drugs that perform many of the same tasks, designed specifically for people in a lower income bracket. Check with your doctor or physician first, and also double check with the manufacturer that the medicines are designed to solve the same problems. If all seems fine, buy the cheaper drug and save some money.
Although medical expenses can soon escalate if they are not properly taken care of, the above are five great ways to cut down the majority of your healthcare expenses. Speak to your doctor for more advice and ask friends and neighbors who have also had medical treatment if they have any tips for keeping costs down.
image source: theartistoflife.com