How to Save on Health Care Services

Health care costs continue climbing, making it difficult for many people to afford basic health care services. Even if you have health care coverage, you may be surprised at how much your part of the expense turns out to be. Being an informed consumer can sometimes help bring costs down.

Instructions

• 1

  Read your health insurance policy to understand all of the coverages and restrictions. Refer to the list of preferred providers to ensure your physician or hospital is included. Using preferred providers usually results in the highest coverage by the health insurance company.

• 2

  Review any medical bills or benefits statements for accuracy as soon as you receive them from your insurance company. Contact the medical facility or your insurance company if anything looks incorrect on the bill. Ask for a correction if an error on the bill resulted in a higher charge.

• 3

  Call the hospital or physician's office to negotiate your portion of the bill, even if you have insurance coverage. Ask if they can reduce your unpaid balance, especially if you are experiencing a financial hardship.

• 4

  Question your health care provider if she suggests a specific test or follow-up appointments. While you shouldn't put your health at risk, you might find some procedures aren't necessary for your health and well-being.

• 5

  Contact different hospitals or medical facilities if your doctor wants you to have a specific test done. You might find a significant difference in cost from one facility to the next.

• 6

  Ask your doctor to prescribe a more affordable medication if you need a prescription. Generics are often less expensive and/or may be covered at a higher percentage by your health care plan. Make sure the less expensive drug will be as effective, however.

• 7

  Practice preventive health measures to avoid health problems that cost more money. Eat a healthy diet, exercise regularly and practice proper hygiene to avoid illnesses.