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One of the biggest sources of debt in the United States are medical bills. Of course, healthcare is a huge priority for pretty much all of us, but due to rocketing insurance costs, and ever-increasing healthcare costs, being able to pay for healthcare is becoming more difficult for many people, even taking things like Obamacare into account. If you want to minimize the costs of your medical bills, here are some simple tips to help you save:
If it is possible for you to do so, the most obvious way to save on your medical costs is to shop around for a better insurance deal. Not only should you be looking for one that costs you less per month for a similar level of coverage, but ideally you should aim to find a policy that covers more for a similar price too.
Use a Preferred Provider
If you have health insurance then it absolutely makes sense for you to use a preferred provider option, or PPO as they are more commonly known, rather than a random hospital or healthcare provider. Why? Quite simply because you will have to pay a much larger percentage of the bill than you would otherwise. So, if you have a choice, go for the PPO every time.
Is it Necessary?
A lot of doctors and healthcare providers will arrange lots of tests for you, many of which are not at all vital. It’s always worth asking your physician just how necessary that test is before you agree to it, especially if you’ll have to pay for it out of pocket or via co-pay. Obviously, if a test is essential, you shouldn’t try to save money by avoiding it – that will almost certainly end up costing you more money in the long-term, and more importantly, it could end up costing you your health or even your life!
Speak to a Legal Professional(If You’ve Been Injured)
If you’ve been injured and you’re facing significant medical bills. As a result, it may be worth talking to a medical negligence lawyer, motorcycle injury attorney or mesothelioma expert, for example. Why? Because if your injury was due to the negligence of someone else, they could be liable to pay your medical bills and a whole lot more besides.
Many people think that the cost of healthcare is set in stone, but that isn’t actually the case, and you can often negotiate a better price for a specific medical procedure is only you’re brave enough to ask.
If you can afford to do so, paying cash is a good way to persuade your doctor or healthcare provider to give you a discount because many doctors offices are actually pretty cash poor and anything they can to improve their cash flow while they’re waiting for the insurance companies to pay up, is usually welcome.
There’s no getting around the fact that medical bills and insurance premiums aren’t cheap, but you can still save money, and if you take some of the advice above, you will do just that.