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(HealthNewsDigest.com) – Negotiate Doctor’s Fees: Call your insurance company and ask for the rates they pay their doctors for the specific procedure you need, it is usually lower than the price the doctor charges the patient. Approach your doctor with this information and ask them to lower their price, you may be surprised at their willingness to negotiate. If the doctor is not willing to negotiate their fee, another doctor who will. The same strategy applies when you are seeing an out of network doctor or seeing a doctor while uninsured.
Carefully Examine Your Medical Bills: Don’t assume that hospital and medical office accounting departments always pay close attention to the bills they send. Be sure to double check everything you receive and if there are any discrepancies, contact the hospital or medical offices to clear up the bill and send the information to your insurance company promptly.
Manage Your Prescriptions: Prescription medications are very costly. Be sure to ask you prescribing physician or the pharmacist for the equivalent, generic brand of medication they are ordering. If a generic comparable medication is not available ask your physician if they can find a substitute from you Insurance Plan’s preferred drug list.
Listen to Your Doctor’s Advice: Make sure your doctor does more than diagnose you with disease and prescribe medication. Assuming he/she is helping you maintain a healthy diet, exercise regimen and overall healthy lifestyle, follow the advice. The healthier life you lead the less you need to see the doctor, the less money you spend on medications and office visits, the more money you have to spend on things you enjoy.
Educate Yourself: The internet is a web of knowledge. Do your own investigating before running to the doctor’s office every time you have the sniffles. When you go to the doctor make sure you bring the information with you and ask questions. Make sure the doctor gives you acceptable answers.
Prevention and Responsibility: Take care of your body and mind and your family’s. Eat a healthy diet, take daily nutritional supplements, take the stairs instead of the elevator, and stay away from junk foods, alcohol and smoking. You’ll see the doctor a lot less and feel a lot better. It’s your life after all!
Discuss Your Plan with Your Insurance Company: There is no time like the present to call your insurance company and see if they will help you negotiate a better rate for you and/or your family. If you have no insurance, now is also a great time to do online comparison shopping of insurance plans, don’t be afraid to pick up the phone and ask for what you want and tell them what you can afford. Before you do, make sure you know exactly what your needs are so you don’t get sold on expensive plans that do not cover your personal and family needs.
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