How to Cut Your Healthcare Costs:
- Ask doctors for a deal, Cybele says. If you're paying out-of-pocket, your doctor is likely getting more money from your visit than he would if you went through a health insurance provider. It can't hurt to ask him to pass some of that extra money on to you, she says.
- Prior to a procedure, double-check that all doctors involved are covered by your insurance. Cybele suggests calling the doctor ahead of time.
- Track your spending with finance software. This makes it easy to tell how close you are to meeting deductibles and to catch errors—both those made by you and those made by the hospital's or doctor's billing department.
- Do what you're told, and follow doctor's orders exactly to cut your chances of having to return for another expensive visit.