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Budgeting for Healthcare (Part B)

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How to Save Money on Healthcare with Generic Medications

Ask for generic medications, which can save you a lot of money on your prescription costs. Add the cost of your regularly prescribed medications to your budget plan. Ask your doctor if you can be prescribed the higher dose and cut the pills in half to save money on your prescription medication costs.

Find a Cheaper Source for Medications

Many drugstores are now offering certain medications for $4 for a month's supply or $10 for a 90 day supply. Find out if any of your medications are on their lists. Some of the drugstores and pharmacies offering these deals are at Wal-Mart, Target, Fred Meyer, and others. Do some research to find out if there are locations in your area.

Get Healthy

Make a resolution to get healthier. This could mean to losing weight, exercising more, or eating healthier foods. Find a way to achieve your goal, get healthy, and reduce your medical expenses.

Be Consistent with Your Medications

Take your medications as they are prescribed. When you do not take your prescriptions like you are supposed to, your condition can get worse. Additionally, abruptly stopping certain medications can create severe withdrawal effects.

Haggle With Medical Costs

Work with your doctor on how to save money on your doctor visits. Doctors make deals with insurance companies all the time so there is no reason they can't make a deal for you. Additionally, negotiate your rates with your hospital for any visits you may have with them. They too provide different rates for insurance companies and you can try to cash into them.

Using these steps can help with frugal living and lowering your medical costs. Assessing your medical expenses can be a big asset in making your personal finance and budget plans - especially during a recession. Getting the hang of money management will aid you in reducing your family healthcare and medical costs in the long run.

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