Tuesday, September 6, 2016, AM | Leave Comment
Many patients learn the hard way that their health, worker’s compensation and auto accident insurance policies don’t cover all the medical expenses that can be related to a serious injury.
Plans also can often have high deductibles and the approval and appeal processes for claims can take a long time.
Things like this can really cause your medical bills to spike! That is why it is important to do all that you can to save money and cut costs while still getting the quality care that you need and desire.
No matter your situation, these money-saving tips can help lower your medical expenses:
Request Itemized Bills
Medical bills usually have services lumped together under a single amount. This format often results in patients getting charged for services that they never received.
You can always request itemized or “comprehensive” bills and review each item line to make certain that total charges are correct.
That way you can always make sure that you never get charged for care that you didn’t receive.
Check State Assistance
Patients can often find aid through their local Department of Social Services.
State run programs include Medicaid to replace health insurance, the Supplemental Nutrition Assistance Program and even local food banks to help reduce grocery bills and the Low Income Home Energy Assistance program to reduce heating and cooling bills.
State programs also exist to help with rent and transport to appointments.
Research Charity Programs
Healthcare systems and non-profit organizations offer charity and emergency hardship programs that help reduce medical bills, break amounts into smaller payments, pay off bills entirely or provide some sort of full or supplemental coverage for future expenses.
Non-profit organizations also offer other types of assistance for patients, including free clothing banks, reduced or free car repair and volunteer home help.
You just have to do your research and find the best organization for you in your area.
Make One Payment
Doctors understand that patients with serious injuries often experience severe medical debt.
To prevent collection proceedings that also cost them money, some doctors provide patients with a large discount for paying off bills within 30 days.
Some will even let you negotiate a smaller lump sum amount.
Look for Coupons
Coupons in newspapers inserts, club member magazines and online sources are free money.
Manufacturer’s and store owners want you to buy their products and shop at certain locations.
Many over-the-counter, prescription drug and health product manufacturers also offer coupons.
By shopping with coupons, especially when items are on sale, you can cut overall medical and non-medical expenses in half or more.
Talk to Manufacturers
Lastly, manufacturers also offer discount and relief programs that can help you pay less for products and services.
There is also an online Partnership for Prescription Assistance service for things like this.
Overall, there are tons of things that you can do to help lower your medical expenses and save money. Just take the time to do your research and find what solutions work best for you. It will definitely be worth it in the long run!
Kara Masterson is a freelance writer from West Jordan, Utah. She graduated from the University of Utah and enjoys writing and spending time with her dog, Max.