- Get a yearly physical, which can alert you to any issues you may have that could lead to medical issues down the road. By knowing you may have a medical problem, you are able to take proactive steps towards your wellness. Be sure, though, to know the costs of each test before you have it so you are prepared for the bill once it comes.
- Get your teeth cleaned twice a year. Good oral hygiene is essential for good health, as issues with your teeth and gums can lead to more severe medical issues.
- Know your free or reduced clinics, and use these as your first stop for care. By utilizing neighborhood clinics, you can often avoid hospital visits, which are far more expensive than a clinic visit. Most clinics have waiting lists and limited hours of operations, so be sure to check with the individual clinic.
- Do not go to the emergency room unless it is a true emergency. As soon as you sign in at an emergency room, you have incurred a cost that ranges between $300 to $750, even before you see a nurse or doctor.
- If you do require hospital care and are not eligible for financial assistance, try negotiating with the hospital. Most will give you a discount on your care if you agree to pay the bill. You should, though, request an itemized bill that you scrutinize carefully so you don’t agree to pay for services, tests or medications you did not receive.
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