Health & Wellness Blog

    

7 Ways to Mitigate High Medical Bills

Costly Medical BillsSickness is probably the most unfortunate thing that happens to human beings. It brings with it; suffering, unbearable pain and agonizing moments. What is even more frustrating is the high medical bill that always piles up whenever you seek out for treatment.

Since we never have control over when and whether we should get sick or not, it is always good to be financially prepared. This will obviously reduce the chances of being caught off guard, which may limit the chances of getting better treatment. Most people nowadays are running for the insurance cover to cater for their bills.

This however, may not always be the smartest move as majority of insurance covers only cater for the bill up to a certain limit, or may be unsuitable for re-occurrence diseases or where immediate medical attention is required. Furthermore, the high cost of premiums may be unfavorable and unaffordable to most folks.

The most appropriate option therefore, is to be thoroughly acquainted with information on how to mitigate these medical bills. This article will review seven best ways in which you fight high medical bills.

Ensure the bill is correct

It is quite common that the medical bill may contain errors or incorrect information that results to higher charges. It is therefore highly recommendable to counter-check your bill to ascertain it is absolutely correct and reflects correctly how much you should pay.

Some common errors in this case may include; double charges, charges on services never rendered, improper billing services, end medications never administered, common arithmetic errors among others. In any case, it would be unfair to pay for a bill that is incorrect. Paying much attention on your bills, may absolutely be a greater move on the right direction, towards lowering your medical costs.

Always Shop around

Eliminate the mindset that insurance companies are the only ones that can provide a medical cover. It is highly recommendable to look out for different options on how to cater for your medical bills in the future. This will not only give you a wider platform on the most suitable company or best option, but will also enable you make prompt financial arrangements to cater for your treatment at any time.

Avoid the emergency room

Unless under severe medical conditions, you should keep off the emergency room and should only make it your final choice. The best move would be to visit an emergency health center or book an appointment with your doctor. Consequently, this will lower some extra cash that you would have otherwise parted with had you visited an emergency room.

Seek out for treatment internationally

Some countries, such as India, Malaysia and Costa Rica, offer specialized treatment at a much lower price; In fact, you are likely to save up to 90 percent of your medical bill in these countries. No matter how extreme this may seem, it is definitely one of the finest ways to have an affordable medical bill.

Internationally sought medical treatment and healthcare is quite common when it comes to specialized surgeries. Often times, the surgery medical billing rates are significantly lower, depending on the surgery. And in many countries, surgeons may specialize in specific areas, such as plastic surgery, cosmetic surgery, reconstructive surgery, or breast augmentation surgery.

Search for coupons

Basically, some drug companies may offer to pay part of your initial medical bill in order to gain your loyalty. You should therefore ensure that such opportunities do not bypass you by always carrying out thorough research on any available coupons. You can simply do this by either asking your doctor if he is aware of any coupon available, or by carrying out your own research on the internet.

Stay in your insurance network

Always search for providers who are within your insurance company’s network. Otherwise, you may be forced to pay extra payments for premiums and in some cases the insurance company may not be willing to pay for your medical bill.

It is thus essential to ensure that whenever you are searching for the best price out there, you limit yourself within your insurance network to avoid the possibilities of ultimately bearing the entire burden of paying for the medical bills.

Focus on staying healthy

This is absolutely one of the preeminent ways to lower your medical bills. Always endeavor to keep yourself away from the hospital by eating healthy, exercising and exploiting the free prevention care often offered by insurance providers.

Essentially, you can be able to dictate your medical bill by following any, if not all, of these seven ways. Absolutely, there would not be any greater feeling than when you are content that you can easily cater for your medical bill anytime and anyplace.

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5 Strategies to Buffer Expensive Surgery Bills

Surgery BillsSurgery can often be a challenging experience for anyone, both financially and physically. For the patient, it is a solution to a health or cosmetic problem, and the benefits can be life-changing (if not life-saving.)

Despite its amazing potential to transform and heal, surgery bills are often expensive. Many people have faced the challenge of paying for a surgery out of pocket. The bill can run from hundreds to hundreds of thousands of dollars.

Finding ways to pay expensive surgery billings is very important for the cost-conscious consumer. So below we share five sound strategies to buffer expensive surgery bills and mitigate the high cost of surgical treatment.

Make use of private health insurance

Private health insurance is an insurance policy that you buy for yourself and your family. It is private because it is not provided by the government. The price you pay for this type of health insurance depends on the situations that you want covered. When purchasing health insurance, you can choose from a number of plans that are available from your provider.

After choosing a cover, you can then pay a specific amount of money every month to service the insurance cover. This amount is known as the premium. If the cover takes care of many health situations, it will be more expensive than that which covers lesser health situations.

If your health insurance covers surgery, your insurance provider will pay for the cost of the surgery. This will help to reduce the bills to a small amount or clear the bill completely. Often times, insurers will work with the health center billing departments to handle of the financial details.

Look into a personal loan

A personal loan is an amount of money that is given to you by an organization against specific collateral. You can get a personal loan from a bank or an independent financial institution. Examples of collateral are land title deeds and cars.

In case you need to pay for a surgery, you can try to take out a loan and pay the amount. Afterwards, you can service the loan by paying a small amount every month. You can use the money from a personal loan to pay for the surgery bills. This is often a route taken by individuals investing in cosmetic and plastic surgical procedures, such as paying off rhinoplasty or breast augmentation surgeons.

Make use of employee health benefits

When seeking employment, it is important to observe the kind of package that the company is giving you. A company should provide you with health benefits in addition to your salary. Thus, after getting employed, ensure that you check to see if their health benefits plan covers surgery.

Also, if it does, check the amount that it will provide you with in case you need to get a surgery. This is a very important activity to perform. If you work in a high stress environment or one where you are exposed to machinery and hazardous materials, you must check to see if your company is willing to cover your medical expenses in case you get hurt and need surgery.

Reach into your personal savings

You can use some money in your personal savings to pay for a surgery. It is a good idea to save money for the long term. This money is used to pay for emergencies such as surgery. You can also combine some money from a savings account with that from a loan to pay for your surgery.

Liquidate some of your assets

In some cases, you have no choice but to liquidate assets to pay for your surgery. Some of the top surgeons cost a premium, so many patients need to leverage all opportunities to cover surgical expenses. These assets can be parcels of land, shares or bonds. The money that you get from liquidating them can be used to pay for the surgery. Shares and bonds are easier to liquidate than parcels of land.

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