Trimming Your Healthcare Budget Healthcare costs continue

Trimming Your Healthcare Budget

Healthcare costs continue to rise by leaps and bounds, but opportunities to save hundreds, possibly thousands, of dollars each year do exist. For starters, consider the following:

Avoid the emergency room (ER) when it’s not a true emergency.

Urgent-care centers can handle sprains and minor fractures (e.g., fingers, toes), and treat strep throat, ear infections, flu-like symptoms, animal bites, and rashes, among other conditions—at a fraction of the cost of an ER.

Inquire about a cash discount.

If you have a high deductible that you haven’t reached in the past, you may be able to get a discount by not using your insurance and paying cash for various healthcare services.

Ask for generic drugs.

Generic drugs can provide substantial savings over brand-name medications. If a generic is not available, in many instances there are a host of medications that treat the same condition (e.g., high blood pressure). Ask your doctor if there are effective alternatives for your situation. Purchase medications by mail in 90-day supplies to alleviate stress on your budget.

Independent radiology centers and medical labs.

These types of facilities are frequently less expensive than hospital-affiliated providers, often by a significant margin. This website can give you a price range for an imaging or lab service and calculate its fair price for your area.

Utilize your healthcare insurance plan’s free preventive-care benefits.

Medical issues detected early can be dealt with when they’re easier—and less expensive—to treat.

If you buy insurance from the exchange, shop around during open enrollment.

Change is the only constant—premiums, deductibles, copays, diminished/expanded provider networks, drug formularies, etc. The right plan this year might be the wrong one next year.

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JACK V. CORRADINO, ROBERT C. PAPA, JR., JOSEPH A. DEFURIA, TIMOTHY J. FONSECA, AND FRANCIS J. SWEENEY III ARE ALL CERTIFIED BY THE SUPREME COURT AS CIVIL TRIAL ATTORNEYS. Corradino & Papa, LLC is located in Clifton, NJ and serves clients in and around Newark, Irvington, Harrison, East Orange, Orange, Belleville, Hillside, Maplewood, South Orange, Kearny, West Orange, Elizabeth, Glen Ridge, Bloomfield, North Arlington, Vauxhall, Union, Montclair, Millburn, Lyndhurst, Nutley, Bergen County, Essex County, Hudson County and Union County. See All Locations Attorney Advertising. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. The hiring of an attorney is an important decision. The information you obtain in this website is not, nor is it intended to be legal advice. You should contact an attorney for individual advice regarding your situation. Results may vary depending on your particular facts and legal circumstances. No aspect of this advertising has been approved by the supreme court. Here are the criteria for the various awards we’ve won: Disclaimer : Results may vary depending on your particular facts and legal circumstances.

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