Health care expenses can add up and may be especially problematic if you or a loved one ever becomes seriously ill or injured. Thankfully, there are some ways to try to cut medical costs that may be effective for you. Here are some steps that you can take to save money on health care.
Open a Flexible Spending Account
Your employer might give you the option of contributing money to a flexible spending account (FSA). You can put money into this account and use it to pay for some of your out-of-pocket medical bills. You won’t be required to pay any taxes on the money in this account. Your employer might also contribute funds to your FSA.
Sign Up for Farm Bureau Membership
Every state has a farm bureau, and most don’t require you to be a farmer to join. For a small annual fee, you can get access to a wide range of benefits that may help you get discounts on your medical care. Even if you already have health insurance, joining your state’s farm bureau can reduce your health care costs even further.
Shop for a Cheaper Insurance Plan
You may think that you’re already getting a good deal on your health insurance, but you might be able to save more money and still enjoy all the same benefits by switching to another carrier. You can get a quote online from a service like Health Insurance Innovations so that you’ll know what you should expect to pay each month. In addition to the Health Insurance Innovations company, there are other plan finders online that can help you save money.
Get Your Prescription Medicines by Mail
Getting certain prescription medicines sent to you by mail instead of going to a pharmacy can reduce your out-of-pocket costs. Some mail-order companies provide larger supplies of medications at lower prices. Cholesterol, blood pressure and birth control pills are just some of the prescriptions that can be sent by mail. You can also sometimes get catheters, contact lenses and other medical supplies at lower rates when you have them delivered to your home.
Visit a Student-Run Clinic
Some college campuses have clinics that are run by students who are studying to become health care professionals. You might be able to get some medical services for free or at reduced rates by visiting one of the clinics in your area. There are also dental schools where students provide a variety of treatments at a much lower rate than regular dentist offices.
Get Preventative Care
Seeing a doctor for preventative care can help you stay healthy and possibly avoid any major medical procedures in the future. Your doctor can perform a physical and order bloodwork to make sure that you’re free of any underlying conditions. If any concerns are discovered, treatment can often be implemented to stop these problems from getting worse and costing you more money.
Reducing your health care expenses so that you can hold on to more of your hard-earned cash is possible if you’re willing to explore the right channels. Some of these methods are surprisingly easy and can make a huge difference when it comes to your out-of-pocket costs.