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7 Ways to Lower Healthcare Costs

While healthcare is an important need for both individuals and families, the costs can add up very quickly. From a simple regular checkup to an overnight stay at the hospital, you may find that your healthcare costs are becoming increasingly expensive and unmanageable. Take a look at the following tips to learn how you can save money on your healthcare related expenses.

Walk and Make Healthy Choices

One way that you can eliminate healthcare costs is by taking care of your body. Consider adding walking to your everyday routine. This can help to keep you in shape and can also help with your overall health.

Other ways that you can make healthy choices include eating better meals and drinking enough water. These are all ways that can contribute to your healthiness and may keep you out of the doctor’s office.

Ask for a Generic Prescription

Many people don’t think to ask their doctor for a generic prescription. This can allow you to save a lot of money each year, especially if you take several prescriptions regularly. Generic medications are significantly cheaper but allow you to get the medication that you need.

Open a Flexible Spending Account

If you have the option to open a flexible spending account, this can be a great way to save money. With this option, you can put away pre-tax dollars throughout the year. This money can be used for medical expenses. This may include prescription drugs, co-pay costs, and other important expenses that may occur during the year. This can also make it more affordable to pay for larger unexpected healthcare expenses, because you are paying regularly through your paychecks.

Review All Medical Bills

You may be surprised at how many errors are found in medical bills. Many of these errors go undetected because most people don’t think to review the charges on their bill. Take the time to review each medical bill that you receive to ensure that you’re not overpaying for your care.

Follow Your Doctor’s Instructions

Many people don’t follow the instructions that their doctor gives. This includes prescription usage and other health choices. It’s important to listen to your doctor so that you avoid possible health issues in the future.

Use a Mail Order Service

Many health insurances offer the option to order prescription drugs through a mail order service. This can not only be especially convenient, since you won’t have to go to the drugstore to get your medication, but it can also mean big savings. A 90 day supply can be a lot cheaper than what you would normally pay at the pharmacy.

Get a Good Health Insurance

Are you generally a healthy person? If you don’t have serious health issues and only go to the doctor for regular checkups, you may want to consider a high deductible healthcare plan. While the deductibles can be high, this can lower your monthly healthcare payments significantly, which can make your costs very affordable throughout the year.

Take the above tips into consideration so that you can lower your healthcare costs. Do your homework and research all available options for health insurance. Use reputable online comparison services like eHealthInsurance in America, iSelect in Australia or Gocompare in the UK. The more money that you’re able to save, the more money you will be able to have to take advantage of other opportunities for your family.

First Day at School

Bye bye, summer!
This is it. Summer vacation is over, Dirk is officially a Kindergarten pupil now and there's no turning back.

I am grateful that I was given the opportunity to be with my son on his first day at school, together with his Dad and baby sister. This is definitely one of the priceless perks of being a Work-at-Home-Mom (WAHM)! I was given flexible working hours so I can easily shift between schedules whenever needed. And this is one of those days I cannot afford to miss.

I was really nervous at first, because last year when we were trying to enroll him in a day care center near our home he was crying like crazy and begging not to return to school the next day. I was afraid that he'll get traumatized if we force him to attend school even if he's not emotionally ready so I said it's no big deal. He can just skip day care and go straight to kindergarten the following year.

Welcome to Kindergarten, Dirk!

I home schooled him last year, and hired a tutor last summer so he can keep up with his classmates who probably attended pre-school already.  I also made sure that the class is less than fifteen in number, so the teacher can pay more attention to each pupil. And ahoy, they are only 5!

A good boy listens.

Today, Dirk was simply awesome. I was watching at the back of the classroom with baby K, and I can see that he was paying attention to Ma'am J, his teacher. He is really naughty at home but hey, I am elated to know that he knows how to listen to his teacher. I hope and pray that my son learns many things that this institution has to offer.

Painted walls. A part of the recreation room.
This day is special and memorable and I'm glad that I was able to be a part of it.