15 March 2009

The sick economy is going to put lots of pressure for most people in the world including the prospect of health care. During this world economic recession the amount of unemployment will be up, the number of uninsured will rise, companies will surely cut health benefits to employees, and all this stress will be very very unhealthy for you guys.

Ok, I’ll give you the 10 ways to prevent and lessen health-money woes :
  1. Prevention Action. Get loss your weight if you’re overweight to reduce the risk of diabetes, hypertansion and other problems that can make you big. Prevention isn’t just it, but it’s a good bet if you want to avoid situations that can lead to major health bills.
  2. Faithfull with your meds. If you’re on regular medication (statin drug for high cholesterol or aspirin to prevent hearth attack), don’t ever try to stop take it without consulting with your doctor. You may think to skip doses to save money, but it can reduce the drug efficacy. If you lose your insurance coverage, you can find a cheaper version of the drug (generic one), and most drug companies have programs to help people who cannot afford their medicines.
  3. Go generic if you can. If your doctor prescribe some medicine you can ask him to give you the cheapest drug but effective. You ask him to give you generic or older formulations it may cost much less and give the same result as the expensive drug.
  4. Find cheap, good sources of medication. There are safe internet options, and stores like Wal-Mart offer significant savings. There are also money saving strategeis such as buying pills in bulk, splitting larger-dose pills into the
  5. Bargain down. You can negotiate both with the doctors and hospitals. Sometimes, they can give adjustment of the bills based on patient needs, ability to pay cash, and other factors. And if you’re facing a hospital stay, you can do action to prevent overcharges, such as packing your own drugs, keeping a treatment log, and asking for an itemized statement.
  6. Eat better, save more. Reduce portion sizes to healthy levels, consume natural healthy foods, dry beans, inexpensive vegetables and move whole grains and vegetables to your diet can save your money and you’ll live healthier. And less costly cuts of meat can have more flavor when cooked properly.
  7. Commit to recovery. If you’re recovering from surgery and facing rehab, follow the recovery regimen diligently. Get your physical therapist to maximize your "homework" routine to save on clinic visits. But don’t put off the pain : Incomplete healing can lead to re-injury or permanent disability.
  8. Get your rights. If you lose your insurance, study the COBRA rules and 62–day insurance "gap" rules to avoid a costly coverage error, particularly if you have a preexisting condition.
  9. Fight claim denials. Experts say that 75% of health-insurance claim appeals are successful.
  10. Be organized. Many people are sloppy about keeping copies of prescriptions, test results, insurance claims, and the like. If you have your documents in order, it will be easier to win a disagreement with an insurance company, and it can lead to more efficient appointments with your doctor.


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