The price of health care is now the number one financial concern for Americans. Despite efforts to reform the system, most people are still required to pay medical bills without health insurance.
This article outlines some ways you can help reduce your medical expenses and live a healthier life:
- Shop Around
One of the first steps in paying medical bills without health insurance is to know the cost of a service or procedure at different providers. Many programs provide pricing information and comparisons online for free.
Compare services and procedures in your area and determine which provider offers the most value for your healthcare dollar. You may be surprised at how much you can save by doing your homework on medical costs.
- Ask for Discounts From Your Health Provider
It never hurts to ask if your health insurance provider offers any discounts for paying medical bills without health insurance. Many providers offer a discount, so be sure to inquire about this when you see the doctor or need a procedure done.
Countless people enjoy an annual check-up just to get a discount on their next year’s visit. Some health care providers will even offer an additional discount if you pay your bill in full or on time.
- Choose Generic Prescriptions
One of the best ways to keep medical costs down is to shop for generic prescription drugs. There are many different brands on the market for most drugs, so be sure to ask your health provider for a list of generic substitutes first. Then compare prices and find out which works best within your budget.
- Pay in Cash for a Discount
Most people know that paying medical bills without health insurance will often result in a discount when you pay cash up front. As long as your provider is aware of this, ask for the best possible rate and then pay in full at each appointment.
Be sure to ask about any additional fees before paying with a credit card or asking for an itemized receipt. These extra charges can add up quickly if you are not aware of them beforehand.
With these tips, you can reduce some of the costs and stress that come with paying medical bills, all while living a healthier life.