Medical expenses can burn a hole in your pocket in this age of rising health care costs. You could maintain a healthy lifestyle and good diet, and look invincible. Everybody will be required to undertake more financial responsibility for his or her health. Thankfully, there are umpteen ways you can follow to cut down on higher costs while improving the health of yourself and your family. Here are some useful saving tips which can protect you and help curb the rising health costs.
Make Exercise a Habit
This is the simplest of all the tips you should follow. According to research done for health care, daily 30 minutes of exercise can reduce your risk of various diseases like diabetes, cancer, heart disease, osteoporosis and the likes. Following a strict exercise regimen like yoga, Pilates etc. can cause benefits like lower blood pressure, lower cholesterol levels, decreased body fat, increased flexibility and lesser aches.
Scientists have long proven that regular exercise relaxes and revitalizes humans. Alongside exercise, when you switch to a healthy diet which includes fresh fruits and vegetables, you gain one of the best forms of “health insurance.”
Purchase Health Insurance which is High-Deductible
Health insurance covers essential benefits for health and treating illness and accidents. It protects you from unexpected, high medical costs. With insurance, you get free preventive care, like vaccines, screenings etc. even before you meet your deductible.Health insurance serves the purpose of transferring the risk of any catastrophic healthcare to the insurance company. However, all sorts of day to day health issues do not fall under this and are the individual’s financial responsibility. When you use high-deductible insurance, it will cut your healthcare premiums substantially.
Online pharmacies save you money
Online pharmacies which are reliable can provide you with generic drugs or they can give you discounts not available in brick-and-mortar stores. To find safe online pharmacies you can find them listed n sites like PharmacyChecker.com. The National Association of Boards of Pharmacy (NABP) also has a website which contains information on online pharmacies like list of websites and URLs that they don’t recommend. Use a trusted online pharmacy for finding lower drug prices among verified online pharmacies and local U.S. pharmacies. Consumers can save a lot of money – even upto 80% — buying medications from online pharmacies. If you’ve ever considered using an online pharmacy, your goal is will be to save money. You can use some of the coupons they provide for some amazing discounts
Choose In-Network Health Care Providers
You can have the choice of seeing providers who are in-network as well as out-of-network depending on your health coverage. Providers who are in-network will always cost you less, because they have a contract with your health plan. Hence their charges will always be lower.
Use Health Care Savings Account (HSA) or Flexible Spending Account (FSA)
The HSA and FSA are used by employers and are savings accounts that allow you to set aside pre-tax money for health care expenses. This way you can save several hundred dollars per year. The good news is that the HSAs are owned by you, they earn interest, and can also be transferred to a new employer. In the case of FSAs, they are owned by your employer, do not earn interest. They have to be used within the calendar year.
Online Health Checkups
Preventive health check-ups are done so that certain parameters of your body get tested which can reveal much about the status of your health. You can go for a preventive health check-up online. Did you know you can actually save money when you get medically tested online. Just browse the internet for some great health check-up packages available online. The idea is to get the right medical tests at the right time to save health and money.
Healthcare is a right as well as personal responsibility, it is a gift which should be strived for. It’s important we exercise, have a good diet and prepare financially for an unexpected illness or accident. These tips will help you have a happy, stress-free future – and it doesn’t cost a thing.