Hope for your financial life and beyond

How We Save Money on Healthcare

Enjoy this post today on healthcare by my good friend Laurie from The Frugal Farmer.

Brian talked recently about the 5 lessons he learned from his recent surgery. Brian is an active guy, and I can only image how much fun he had being sidelined a bit by his torn meniscus and the subsequent surgery. Not to mention the money it costs these days for anything from a simple doctor appointment, a necessary prescription drug or, as in Brian’s case, a surgery.

Not all medical expenses are avoidable: there are many diseases and conditions for which medical treatment (so far, anyway) is the only known help. However, there are many health conditions that are in our control, and many ways for people to cut down on their share of the 3+ trillion dollars that Americans spend on healthcare each year.

4 Ways to Cut Down on Healthcare Costs

Here are some of the things our family does to cut down on annual healthcare costs.

#1: Eat Well

I know most people don’t like to hear it, but a diet that consists of a large amount of fresh vegetables and fruits, healthy fats and minimally processed foods can do wonders for a person’s health.

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Signs It’s Time for a New Doctor And What to Do Before You Switch

Whenever you’re sick, or simply seeking routine preventive care, you trust your doctor to provide good medical care. Most people trust their doctors implicitly. After all, they went through years of training and have to know their stuff in order to practice medicine.

doctor and patientBut just because a doctor has the knowledge required to diagnose and treat patients doesn’t mean that they are good at their jobs. They may lack bedside manner or time management skills, which can lead to long waits and frustration. Other doctors aren’t willing to explore alternative treatment options, or can’t clearly explain their diagnoses and treatment plans.

With health care costs on the rise, there’s a renewed focus on quality in health care and ensuring that patients receive the care they deserve without wasting time and money.

However, as a patient, you hold a certain level of responsibility for the quality you receive as well. You have the right to seek other options when you aren’t happy with your care, not to mention that staying with a doctor who isn’t meeting your needs can be harmful to your health — and your wallet.

So when is it time to switch providers? There are some clear signs.

Sign #1: Your Doctor Doesn’t Listen

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A Beginner’s Guide to Health Insurance and the Affordable Care Act

If you are wondering about the basics of health insurance you’ve come to the right place. Today I’m going to try an exhaust and consolidate all the knowledge I know about health insurance into one post. Yes, it’s going to be long, so if you don’t have time now you may want to bookmark it for later reading.

health insurance claim formOf all the insurances out there, health insurance has become the most highly sought after type of insurance based on its direct application to something very important to us – our health. Nothing gives us more cause for attention than when our bodies are not working properly. The kind of health insurance policy we are able to secure can go a long way in determining what type of care we get and what drugs we are able to get our hands on. Those factors consequently then can have an impact on how healthy we are able to maintain our own bodies.

In recent years health insurance has also been hotly debated within society and government. It’s even found it’s way to the highest court in the land in a landmark decision handed down by the Supreme Court of the United States. The Affordable Care Act (more commonly known as Obamacare) has changed the very structure of the health insurance industry – some would say for good, others would say for bad.

This post is going to outline for you the basics of health insurance. I’ll explain what it is and why it’s a good idea for you to have some form of coverage. I’ll address some terms you need to know when researching plans, what types of plans are out there and how to decide which one is right for you.

For those who are looking for ways to save money on healthcare, good luck. Premiums have increased dramatically and health insurance isn’t as affordable as it used to be. However, there are ways you can reduce the overall cost of the plans and I’ll address some helpful tips in that regard.

This post will conclude with a look at health care reform, how it impacts you and what alternatives are available to traditional healthcare as we know it.

What Is Health Insurance?

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What Good Is Freedom When You’re Told What To Do With It?

U.S. Constitution - We the PeopleIn the fall of 1620, a group of 102 passengers sailed from the coasts of Western Europe across the Atlantic. Their journey was filled with danger as they traveled in a craft none of us would dare think of sailing today. Much like the courageous astronauts of the 1960s, they faced considerable danger and extreme conditions as they pioneered into an unknown and mysterious world.

Colonies had been established before in the New World but none for such a reason as this. The purpose of those earlier establishments in the Caribbean, and more recently in 1607 at Jamestown, had simply been about wealth creation – find the riches of the new land and return them home for the glory of the mother country.

Simple. Materialistic. Focused.

While some on the Mayflower sought economic prosperity, there was a group aboard interested in something much deeper and profound than the accumulation of wealth. These were known as the Separatists who were fleeing religious persecution inflicted on them by the Church of England. The church in that time controlled religion, dictating to the people how, when and where they were to worship. Choose to worship in a way the church forbid, and you would face severe punishment.

So faced with bigotry and religious intolerance, they fled to a new world with the hopes of fulfilling the one deep desire burning in their hearts…the freedom to choose.

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