Medical/Health Savings

Here are some tips to save money on healthcare in general:

1. Know Your Insurance Plan: One of the important ways to save on medical costs is to know your insurance plan. Read your insurance information closely and know what costs you’re responsible for. Check which expenses are covered and by how much, and which expenses are not. Use providers in your network to avoid out-of-network bills 12.

2. Shop Around: Prices for medical procedures can vary widely depending on where you go. Shop around and compare prices from different providers to find the best deal 13.

3. Use Telemedicine: Telemedicine allows you to consult with a doctor remotely, which can save you time and money. Many insurance plans now cover telemedicine visits 4.

4. Negotiate Prices: Many suppliers are willing to offer discounts for larger orders, and by negotiating these discounts, you can save significant amounts of money. To negotiate with suppliers, it’s important to do your research and have a good understanding of the market prices for the items you are interested in 1.

5. Use Prescription Discount Cards: Prescription discount cards can help you save money on your medications. These cards are free and can be used at most pharmacies 1 .

6. Apply for Financial Assistance: Many hospitals and healthcare providers offer financial assistance programs for low-income patients. Check with your provider to see if you qualify 1.

7. Use Your FSA or HSA: If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use pre-tax dollars to pay for medical expenses 1.

8. Choose In-Network Providers: If you have health insurance, make sure you choose providers that are in your network. Going out of network can result in much higher medical bills 12.

9. Ask for Itemized Bills: Medical billing errors are common and can result in overcharges. Review your medical bills carefully and make sure you’re not being charged for services you didn’t receive 1.

10. Use Free Clinics: Free clinics offer medical care to people who can’t afford it. Check with your local health department to find a free clinic near you 13.

11. Use Generic Drugs: Generic drugs are just as effective as brand-name drugs, but they’re much cheaper. Ask your doctor if there’s a generic version of your medication available 1 .

12. Apply for Medicaid/CHIP: Medicaid and the Children’s Health Insurance Program (CHIP) provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities 1.

13. Use Health Savings Accounts (HSAs): HSAs allow you to save money on a pre-tax basis to pay for medical expenses. If you have a high-deductible health plan, you’re eligible to open an HSA 12.

14. Audit Your Medical Bills: Review your medical bills carefully and make sure you’re not being charged for services you didn’t receive. Medical billing errors are common and can result in overcharges 1.

15. Choose a Higher Deductible: A higher deductible means you’ll pay more out of pocket before your insurance kicks in, but it also means you’ll pay a lower monthly premium. If you’re generally healthy and don’t expect to need much medical care, this could be a good option for you 1.

Is One Medical Membership for Prime Members Better Than a Health Concierge? 

Health Savings Accounts, or HSAs, just might be one of the best retirement accounts available to Americans 

Is an HSA the Best Way To Save for Future Medical Expenses? 

Where Should I Set Up My Health Savings Account (HSA)?

How To Use An HSA As A Retirement Account (The Secret IRA Hack) 

Is One Medical Membership for Prime Members Better Than a Health Concierge?

www.castleconnolly.com is a database of the 20,000 best doctors available highly recommended by its peers

At www.askadoctor.com you can get advise thru e-mail from three different doctors for a small fee

One Medical : Prime members can now add a One Medical. Membership to get care on call and get on-demand medical care, where and when you need it. Get care for everyday concerns, chronic conditions, mental health, and more. Primary care offices in many US cities.  Longer appointments so you don’t feel rushed. Care solutions for adults and kids. 

Find & compare providers near you. Not sure what type of provider you need? Learn more about the types of providers. : Understanding your choices will help you have a more informed discussion with your doctor or other health care provider — and choose the hospital that's best for you.

How to Save on Health Care 

The Truth About Home Medical Tests 

Assistance with Medical Transportation Costs

Search for Savings by Diagnosis

Over-the-Counter Meds Savings Secrets

Savvy Strategies for Your Health Savings Account 

Why Insurance Companies Don’t Want You to Know About Concierge Doctors

A former ER tech explains what they don't tell patients about how the emergency room works 

The Health Savings Account (HSA) Rules You Need to Know

Is an HSA the Best Way To Save for Future Medical Expenses?

4 Affordable Telemedicine Options Even Without Insurance 

Here’s How to Get Care From a Real Doctor for as Little as $25 — No Insurance Necessary 

20 Ways to Save on Health Care 

5 Money-Smart Reasons to Get a Health Savings Account 

20 Ways to Save on Health Care

Essential health care resources to know about if you’re broke

10 Ways to Save Money on Health Care - Clark Howard

Ways to Save On Medically Related Equipment Not Covered by Insurance 

10 Ways to Save Money on Health Care

Use a Health Care Sharing Ministry (not an insurance): Health care sharing ministries are organizations in which members share the cost of each other’s medical bills. What Are Health Care Sharing Ministries (HCSMs)?

BidOnHealth.com

selfpaypatient.com/tag/bidonhealth-com/

As most self-pay patients know, finding the real price for a doctor's visit or, medical procedure, or prescription drug can be a challenge. I've mentioned before several doctor's offices, surgical facilities, and web sites that self-pay patients can use to 

QUOTES:

My Two Cents: More Health Care Tips:  Regarding the article 6 Tips for Maximizing Your Doctor Visits, I know that this will sound rather bold of me, but since we are on the frugal side of things, I just want to mention a few more aspects of doctor's visits. Every time you go into their office, you generate their income and the money needed to keep that clinic or office open. I keep this in mind every time that I make an appointment. So, I keep my time straight and don't waste the doctor's time or mine. I look at it like I had to hire someone to fix something around my home. This little reminder should prompt people to find a good doctor and, if you don't, to keep trying until you find one that cares, is professional and helps you to either find out the source of a health issue or to manage an existing one that is chronic. I had two excellent doctors until I was 40. Then, my late husband and I decided to move to a rural area. My health started to deteriorate and I've had quite a few doctors over the years in the surrounding area where I live. When switching doctors, make sure everyone communicates and gets things straight. Also, I don't take tests that might predict a future condition until my existing conditions are managed or rectified. They make money there too. I've been unable to find an advocate to attend my doctor's appointment. I highly recommend that everyone find someone to go with them. They may hear something or pay attention to what you may miss. I've been lucky that I write everything down. My rule of thumb is that if there doesn't seem to be a change in my health, then I just go for the basics. Where I live, I can get medications prescribed from a qualifying pharmacist if I've been on them for a while. I can also get a complete printout of blood work from your pharmacy instead of having to make an appointment with the doctor. My fantastic pharmacist allows me to stock up on certain items to maintain my health. So pay attention to your health needs as they come along so that you don't have much to deal with down the road. Karen K from Dollar Stretcher Tips

Here are some tips to save on health insurance:

1. Use a Premium Tax Credit: If you purchase a health plan through the Health Insurance Marketplace, you might be able to qualify for an advanced premium tax credit (APTC). This credit lowers your insurance premium based on your income and household size 

2. Apply for Medicaid/CHIP: Medicaid and the Children’s Health Insurance Program (CHIP) provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities 

3. Itemize Your Tax Deductions: If you have high medical expenses, you may be able to deduct them from your taxes. You can only do this if you itemize your deductions instead of taking the standard deduction 

4. Choose a Higher Deductible: A higher deductible means you’ll pay more out of pocket before your insurance kicks in, but it also means you’ll pay a lower monthly premium. If you’re generally healthy and don’t expect to need much medical care, this could be a good option for you 

5. Get an HSA: A Health Savings Account (HSA) is a tax-advantaged savings account that you can use to pay for medical expenses. You can contribute pre-tax dollars to your HSA, and the money grows tax-free. If you have a high-deductible health plan, you’re eligible to open an HSA 

6. Purchase a Catastrophic Plan: If you’re under 30 or qualify for a hardship exemption, you can purchase a catastrophic health plan. These plans have low monthly premiums but high deductibles, and they’re designed to protect you from worst-case scenarios 

7. Shop Around: Don’t just go with the first health insurance plan you find. Shop around and compare prices and benefits from different insurers. You might be able to find a better deal

8. Use a Health Care Sharing Ministry (not an insurance): Health care sharing ministries are organizations in which members share the cost of each other’s medical bills. What Are Health Care Sharing Ministries (HCSMs)?

What To Do If Your Health Insurance Company Denies Your Claim

Medi-Share & other health care sharing ministries: What you need to know before signing up 

The low-down on health insurance ads during open season 

 3 things to know before you pick a health insurance plan 

Is an open-source platform that takes advantage of large language models to help users generate health insurance appeals with AI. The user can scan their insurance denial, and the system will craft several appeal letters to choose from and modify. The “dirty secret” of the insurance industry is that most denials can be successfully appealed

Find Your Program - Christian Healthcare Ministries 

U.S. News and the National Committee for Quality Assurance have joined forces to rank health plans based on performance relative to other plans in prevention, treatment and member satisfaction. The full list is shown at www.usnews.com … look for “best health plans”

Enroll in a high deductible health care savings account (go to www.hsafinder.com for more information) and deposit the maximum amount each year. The money grows tax free forever if you spent it on health care. This is a good way to prepare for rising health care costs when you retire. You can use an HSA when you have a high deductible medical insurance of more than $1,300. The money grow tax free and you can use it for medical expenses that are out of pockett. There is a limit contribution of $3350. This is another tool to save money and very valuable to have as you get older when you will have more medical expenses ... this way you can use this benefit tax free. A good place to find a HSA is at Vanguard - Health Savings Accounts (HSAs)

Medicare Health insurance counselors can provide free help: Finding insurance coverage that is affordable and meets your needs can help protect you from medical debt moving forward. Health insurance counselors are free, unbiased, experts who can provide free local help. To find a counselor, visit the State Health Insurance Assistance Programs (SHIP) locator at shiphelp.org.

If you have no income you may be eligible for free healthcare coverage at Healthcare.gov.  Also check medicaid state program and other alternatives like faith base programs.

Medicaid provides comprehensive healthcare coverage to low-income individuals and families in the United States. The program offers a broad range of medical services, including doctor visits, preventive care, prescription medications, and more. This ensures enrolled individuals and families have access to essential medical services to maintain and improve their health. 

What Should You Do if Your Insurance Claim Is Denied? 

A Checklist for Open Enrollment Season | Morningstar 

What To Do If Your Health Insurance Company Denies Your Claim

Medi-Share & other health care sharing ministries: What you need to know before signing up 

Understanding Medicaid: Who Qualifies and How to Apply

20 Ways to save on healthcare 

40 Ways to Save Money on Your Healthcare Costs After 55 

How to save money on health insurance 

Who is eligible for Medicaid benefits? 

Many Medicare Advantage Members Find Challenges 

Local Assistance for Health Insurance Application - HealthCare.gov

Are Health Care Sharing Ministries A Viable Alternative To Health Insurance For Early Retirement? 

Maximize ACA Subsidies and Minimize Health Insurance Costs 

Paying for Healthcare in the Age of Coronavirus - Consumer ...

Two Years Without Health Insurance (and What I Do Now)

eHealthInsurance.com.: one of the best online resources that will enable you to quickly and conveniently compare online the cost of several individual health insurance options.

Finding Affordable Health Care Now 

Discover what health benefit programs you may be eligible for and how to apply in your state. 

• Medicaid offers benefits for individuals with low incomes or people with disabilities. Find out if you and your family are eligible.

• Children’s Health Insurance Program (CHIP) provides coverage to children in families with low income. In some states, it covers pregnant women. Learn about CHIP requirements and how to apply.

• Medicare is health insurance for people 65 or older. You may be eligible to get Medicare earlier if you have a disability. Learn more information and next steps.

FOR MORE INFORMATION ABOUT HEALTH INSURANCE AND OTHER HEALTH INSURANCE SAVINGS FOLLOW THIS LINK: 

Here are some tips to save on your medical bills:

1. Negotiate Your Medical Bills: If you’re facing a large medical bill, don’t be afraid to negotiate with your healthcare provider. You can ask for a discount, a payment plan, or a reduction in your bill 

2. Use Generic Drugs: Generic drugs are just as effective as brand-name drugs, but they’re much cheaper. Ask your doctor if there’s a generic version of your medication available 

3. Shop Around for Medical Procedures: Prices for medical procedures can vary widely depending on where you go. Shop around and compare prices before you commit to a procedure 

4. Use Telemedicine: Telemedicine allows you to consult with a doctor remotely, which can save you time and money. Many insurance plans now cover telemedicine visits 

5. Take Advantage of Preventive Care: Many insurance plans cover preventive care, such as annual checkups and screenings, at no cost to you. Take advantage of these services to catch health problems early and avoid costly medical bills later on 

6. Choose In-Network Providers: If you have health insurance, make sure you choose providers that are in your network. Going out of network can result in much higher medical bills 

7. Use Health Savings Accounts (HSAs): HSAs allow you to save money on a pre-tax basis to pay for medical expenses. If you have a high-deductible health plan, you’re eligible to open an HSA 

8. Audit Your Medical Bills: Medical billing errors are common and can result in overcharges. Review your medical bills carefully and make sure you’re not being charged for services you didn’t receive 

9. Apply for Financial Assistance: Many hospitals and healthcare providers offer financial assistance programs for low-income patients. Check with your provider to see if you qualify 1

10. Use Free Clinics: Free clinics offer medical care to people who can’t afford it. Check with your local health department to find a free clinic near you 

11.  Hire a health advocate: Health advocates can help you settle insurance disputes, provide research, arrange specialty consults or even accompany clients on doctor’s visit. Some charge for their services which an range from a few dollars to hundreds or potentially thousands of dollars so finding the right company to meet your needs requires some work. Make sure you understand the fees and what are you getting for them. Ask to speak to clients. Find out success rates in settling insurance disputes. Some health care advocate companies to look into are www.pinnaclecare.com  (a Baltimore based health care advocacy company), Plymouth Meeting Pa. –based Health Advocate  (www.healthadvocate.com) and HealthCare Advocates Inc. (www.healthcareadvocates.com)  in Philadelphia. If you don’t want to pay for patient advocate, hospitals and nonprofit groups also provide them:  www.pateintadvocate.org that helps those with chronic or life threatening illnesses; www.marrow.org for those who need marrow or blood-cell transplants and finally www.consumer.gov/qualityhealth/rights.htm for patient’s rights.

Fight Health Insurance: They will help you to write an appeal using AI to fight your health insurance denial. A Fight Health Insurance user can scan their insurance denial, and the system will craft several appeal letters to choose from and modify.  The “dirty secret” of the insurance industry is that most denials can be successfully appealed, according to Dr. Harley Schultz, a patient advocate in the Bay Area. “Very few people know about the process, and even fewer take advantage of it, because it’s rather cumbersome, arcane, and confusing, by design,” he said. “But if you fight hard enough and long enough, most denials get overturned.” 

How to get help with medical bills 

Got an unaffordable or incorrect medical bill? Calling your hospital billing office will usually get you a discount 

Can a Patient Advocate Help With Your Medical Bills? 

How to Deal With Medical Debt 

Know your rights and protections when it comes to medical bills and collections: Health issues often add strain to your life and can be expensive. Unpaid medical bills increase this stress—especially when debt collectors contact you. If you’re overwhelmed and confused by the medical bill collection process, you have rights that protect you from unfair practices such as harassment and deception. Some things you can do to protect yourself include: Confirm your bills for accuracy of amounts owed and information,  Know the limits to how debt collectors can contact you,  Understand the No Surprises Act and Watch out for scams.

Are you confronting a big medical bill? Attack it with a plan — and these tips | AP News 

No Surprises Act: Learn about rights and protections for consumers to end surprise bills and remove consumers from payment disagreements between their providers, health care facilities and health plans.

No Surprises: Understand your rights against surprise medical bills 

Avoid Unexpected Medical Bills 

Inaccurate Medical Billing Creates Problems for Older Adults 

What To Do If Your Health Insurance Company Denies Your Claim

5 Steps to Getting Your Hospital Bill Right

Medical Facilities Far From Hospitals Are Charging Hospital Rates As 'Satellites.' What Gives? 

Patients Still Receive Surprise Medical Bills, Including for Medical Laboratory Testing, Despite Enactment of Federal No Surprises Act That Became Law on Jan. 1, 2022 

No Surprises: Understand your rights against surprise medical bills 

The Hospital Charged Me $25,000 for a Rabies Shot. What Do I Do?

Medical debt: dozens of articles on this subject

Pitfalls of medical credit cards and financial plans 

No Surprises: Understand your rights against surprise medical bills | CMS 

What is a “surprise medical bill” and what should I know about the No Surprises Act? 

Could Your Medical Bills Make You Sick? - Consumer Reports

ICYMI: How to Fight Back When Contacted by a Debt Collector for a Medical Bill

First, see if you can get your medical bill forgiven 

How to Deal With Medical Debt

6 Tips for Dealing with an Unaffordable Emergency Room Bill

 Medical Bills Are Coming to an End 

How to handle your medical bills 

How to Fight Back When Contacted by a Debt Collector for a Medical Bill

How to Negotiate Medical Bills: A Step-by-Step Guide

How to Appeal an Unexpected Medical Bill

What You Can Do About Medical Deb

Here’s what you can do if you get a bill for covered services.  

 If you have a medical debt in collections, learn about your debt collection and credit reporting rights.

What You Can Do About Medical Debt 

How to Use an HSA to Pay Medical Bills — Even the Old Ones

 How To Save on Medical Costs

Use a Health Savings Account (HSA)

Worried About Hospital Bills? Consider Medical Tourism!

Surprise Medical Bills Are Coming to an End 

How to Deal With Medical Debt  

Could Your Medical Bills Make You Sick? (and how to fight them)- Consumer Reports

6 Ways to Get Help Paying Your Medical Bills 

5 Tips That Can Help You Reduce Medical Debts  

 Q&A: Here’s why you shouldn’t put that huge hospital bill on a credit card  

How Do I Get Help With My Medical Bills?

How Can I Lower My Health Care Costs?

How to Deal With Medical Debt - Clark Howard

5 Ways Anyone Can Save on Out-of-Pocket Health Care Costs | Money Talks News

Can a Patient Advocate Help With Your Medical Bills? - Clark Howard

How to obtain charity care

6 Ways to Get Help Paying Your Medical Bills

In a review of 337,000 patient cases, this was the No. 1 most common preventable medical error - MarketWatch

New Website Aims to Help You Compare Health Care Prices

16 Ways to Beat the High Cost of Medical Care

10 Ways to Deal with an Expensive Emergency Room Bill

4 questions to ask to get the best deals on health care and prescriptions

5 Ways to Save on Medical Bills

6 Ways To Get Help Paying Your Medical Bills

How to deal with a hospital that's overbilling you

What NOT To Do When You Get a Large Medical Bill

6 Ways to Get Help Paying Your Medical Bills

Healthcare Bluebook – Your Guide to Fair Pricing for Healthcare Services : Healthcare Blue Book is an awesome website that shows typical and “fair” medical costs for all types of procedures, lab tests, and medicines. Check it out if you find yourself wanting to estimate your out of pocket costs, or want information to negotiate a ridiculous medical bill. 

QUOTES:

My 1% better was successfully negotiating a hospital bill down from about $3,500 to $2,000. After my son was born I waited about 6 months. The hospital sent monthly reminder bills and eventually referred it to their internal collections department (note, not an external debt collector and no impact to my credit report). I called and politely explained that money was tight after having a new baby. After being transferred multiple times I spoke with a supervisor who offered to lower the bill to $2,500. I thanked her enthusiastically and politely asked if she could go any lower. Much to my surprise she lowered it again to $2,000. It really does pay to ask for reductions to hospital bills. - Jeff from the ChooseFI Community Taking Action This Week

Here are some tips when dealing with hospital bills:

1. Negotiate Your Medical Bills: If you’re facing a large medical bill, don’t be afraid to negotiate with your healthcare provider. You can ask for a discount, a payment plan, or a reduction in your bill 1

2. Audit Your Medical Bills: Medical billing errors are common and can result in overcharges. Review your medical bills carefully and make sure you’re not being charged for services you didn’t receive 

3. Apply for Financial Assistance: Many hospitals and healthcare providers offer financial assistance programs for low-income patients. Check with your provider to see if you qualify 

4. Use Generic Drugs: Generic drugs are just as effective as brand-name drugs, but they’re much cheaper. Ask your doctor if there’s a generic version of your medication available 

5. Shop Around for Medical Procedures: Prices for medical procedures can vary widely depending on where you go. Shop around and compare prices before you commit to a procedure 

6. Use Telemedicine: Telemedicine allows you to consult with a doctor remotely, which can save you time and money. Many insurance plans now cover telemedicine visits 

7. Take Advantage of Preventive Care: Many insurance plans cover preventive care, such as annual checkups and screenings, at no cost to you. Take advantage of these services to catch health problems early and avoid costly medical bills later on 

8. Choose In-Network Providers: If you have health insurance, make sure you choose providers that are in your network. Going out of network can result in much higher medical bills 

9. Use Health Savings Accounts (HSAs): HSAs allow you to save money on a pre-tax basis to pay for medical expenses. If you have a high-deductible health plan, you’re eligible to open an HSA 

5 Steps to Getting Your Hospital Bill Right 

Reducing the Cost of an ER Visit

Reducing the Cost of an Emergency Room Visit 

Tip: there is always a strong possibility that your hospital bill have errors. It might be worth it to hire a billing consultant that will take a % of the money they save you. Read How a medical billing advocate can significantly reduce your costs

Not Asking This Question in the Hospital Can Cost You Thousands | Money Talks News

An Unaffordable Emergency Room Bill

Emergency room fees: How to fight an outrageous medical bill, explained

Here are some tips to save money on dental care:

1. Compare Dental Insurance Plans: Dental insurance works like health insurance, but it helps you save money on costs related to dental and gum health. Before buying dental insurance, you’ll want to compare plans to find the best fit for your budget and situation 

2. Purchase a Dental Savings Plan: Even without dental insurance, you can save by buying a dental savings plan. While these plans aren’t insurance, they offer discounts on dental services at participating providers 

3. Visit a Dental School: Dental schools offer dental services at a reduced rate or on a sliding fee scale based on income, household size, and other factors. Contact your local college or university to check if they offer dental clinics 

4. Negotiate Your Medical Bills: If you’re facing a large medical bill, don’t be afraid to negotiate with your healthcare provider. You can ask for a discount, a payment plan, or a reduction in your bill 

5. Visit Community Health Centers: Community health centers offer dental services at a reduced rate or for free to low-income patients. Check with your local health department to find a community health center near you 

6. Use Your FSA or HSA: If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use pre-tax dollars to pay for dental expenses 

7. Go to Appointments as Recommended: Regular dental checkups and cleanings can help prevent costly dental problems down the road. Make sure you’re going to appointments as recommended by your dentist 

Go to a dental clinic at a local dental school and you could save more than 50% on different procedures. All visits are supervised by experienced professors. Find  and American Dental Association accredited  at www.ada.org

Prepare Your Teeth for Retirement 

Dental Insurance: A Money-Saver or Just Another Expense? 

Good Dental Hygiene Is Money in Your Pocket

Dentists in Los Algodones, Mexico, Draw Global Clients With Low Prices 

Don't Fall for These Dental Scams

Exploring Ways to Support Dental Patients’ Health and Financial Needs

4 (Imperfect) Ways Retirees Can Pay for Dental Care

3 Ways to Save Money on Your Next Dental Visit 

7 Ways to Get Affordable Dental Care 

9 Secret Ways to Save Money on Dental Care

10 Ways Seniors Can Save on Dental Care

6 Ways to Reduce the Cost of Dental Work 

8 Ways to Save on Dental Care Without Insurance 

A dentist share how to save on dental care

Find free or affordable dental care at:

1) Free dental care

2) FreeDentistClinic.com Affordable Dental Clinics

How Will You Pay for Dental Care after Age 65? 

Dental Care for Just $10? Here’s How to Get It | Money Talks News

Go to www.dentalplans.com to find dental plans in your area.

 Go to a dental school clinic to get cleaning, fillings and other basic procedures from supervised students for 50-75% less than what a dentist charges.  To find a clinic near you visit www.nidcr.nih.gov

How to Afford Your Kid's Braces or Expensive Dental Care

Check if dentist offers in house financing if you don't have dental insurance

A dentist share how to save on dental care

Is Dental Insurance Worth The Cost?

Good Dental Hygiene is $$ in Your Pocket

QUOTES:

An Affordable Dental Option:  Recently, I had to have all four of my wisdom teeth pulled and discovered a cheaper alternative: dental schools. For those who do not have dental insurance or whose policy may cover very little (ours only covered 20%!), you may want to try this option. In my state (Ohio), I found that a university that is all of 15 minutes from my home has a dental school. To remove all four teeth, including an IV anethetic, I paid about 1/3 of what my dentist would have charged. Also, find out what the university is doing a study on. If they are doing a funded study on let's say, root canals, and you need one, you may be able to get the work done for free. Annie from Dollar Stretcher Tips

Good Habits Pay:  When my two kids were small, I let them each decorate a recycled, small, yogurt container to be kept near the bathroom sink. Whenever they brushed their teeth to my satisfaction, I rewarded them each with a dime to deposit through the slots that had been made in the lids. When the containers were full, they were free to spend their earnings as they wished. They had very few cavities.I always said to them, "Taking care of your teeth is like money in the bank!" June from Dollar Stretcher Tips

It Pays To Ask:  Last year, I paid nearly $1,000 for a dental crown. I'm over 60 and have several older crowns. This year, my dentist noticed a gap under an older crown. Rather than get a new crown, she suggested applying silver diamine fluoride (SDF) to the area. It's a clear liquid with antibacterial properties and keeps cavities from growing. I understand this is a fairly new procedure here in the States. This is new to me, and I'm always a bit leery, so I looked it up on webmd.com. The cost for my procedure is about $65, which is a far cry from almost $1,000 for a new crown! Always check with your dentist before undergoing a major procedure. It's possible something less expensive may work just as well, although, of course, it depends on the condition of the tooth. Crowns are expensive, but I've also found some dentists charge less than others and do wonderful dental work. Shop around and ask friends if they're happy with their dentist. Helen from Dollar Stretcher Tips

Unexpected Savings on Dental Care: I’m always looking for ways to save on healthcare, and I love passing these wins along when they come. I had an interesting one this week that was worth a mention here: My daughter is getting her wisdom teeth out and we received a text from the oral surgeon that it was going to cost us $3,810 out of pocket. This was way more than I expected, so I called up the billing number and spoke with their employee. I very nicely asked if there was anything we could do, if there was a cash-pay price, etc. She said our dental insurance did not have any oral surgery benefits, so this is just the standard rate and there was really nothing she could offer except for 10% off for paying in full. $381 off isn’t bad, but I asked her again if there were other options. She thought for a second and then told me about something I’d never heard of before: She said that we could sign up for a plan through DentalPlans.com for somewhere around $150 and it would activate the very next day (this call was 4 days before the surgery!). She told me that their practice accepted the Aetna and Cigna plans that site offered and how it would work is this: Having that account number would entitle us to the negotiated discount price of that insurer’s plan. We wouldn’t get any benefits from Aetna or Cigna, but the reduction we’d receive after that negotiated discount would be significant. She told me it would cut at least $1,000 off the total surgery bill! I wound up spending $167.96 for the Cigna plan through DentalPlans.com and once I provided the oral surgeon’s office our membership number, they texted us back a new price for the surgery: $2,327 This is compared to $3,810 without this plan that cost me a mere $167.96. That’s a total out of pocket cost of $2,494.96 vs the original $3,810 for a total savings of $1,315.04 (even assuming I don’t get the 10% pay in full discount for this new amount, the worst-case savings is $934.04!) This is astonishing to me, and it reinforces a critical concept: Always be nice to customer service reps. Just be a good person, be open and kind and ask for options. This worked out better than I could have expected, but everything is negotiable and you’ll never know until you ask! Brad Barrett from CooseFI

TIP: On dental insurance always get a 2nd opinion if you need extensive dental work... you will find difference on quality of care and differences prices depending on the dentist. Another source is to use Yelp for  dental services.

TIP: 

1. ask your Doctor to see the list of affordable medicines before writing a prescription. Bring a printout of your favorite pharmacy on the cost of meds..

2. Talk to your pharmacist if there is an affordable option. Pharmacist can find discounts or in store deals or contact your Doctor and change prescriptions  to a lower cost alternative if appropriate

3.  Use Generic Drugs: Generic drugs are just as effective as brand-name drugs, but they’re much cheaper. Ask your doctor if there’s a generic version of your medication available. Over-the-counter medications can be a cheaper alternative to prescription drugs for some conditions. Talk to your doctor or pharmacist to see if an over-the-counter medication is right for you. Request generics or over the counter options or any combination of two older ones that has been combines into a new expensive new drug. Ask your doctor if there are generic drugs that could safely replace the brand medications. if your drug coverage is through CVS/Caremark, you can get discounts on several dozen select generics if you fill the prescription at a CVS pharmacy or through CVS.com.

4. ask if there is a different drug, an older drug that you can try first. Ask an alternative to the expensive drug

5. How To Comparison Shop Prescription Drug Prices (before your doctor sends the prescription)

6. Take the time to shop around online and compare prices, too. There are free websites that make this easy, and you might be surprised at how much you can save. Examples: -1) GoodRx app ; -2) WeRx;      -3) Blink Health; -HealthWarehouse.com; -  4) Amazon pharmacy  5) RxSaver 6) SingleCare  7) WellRx Use an online retailer only if it displays the Verified Internet Pharmacy Practice Sites (VIPPS) seal. 

7. PharmacyChecker says it can help you save up to 90% on prescription medications.The website lists drug prices from online pharmacies in the U.S. and abroad. To find the best price for a specific prescription medication, enter the name of the drug into the search box 

8. Blink Health homepage: offers group-discount prices directly to individuals. They work directly with drug manufacturers and pharmacies to negotiate lower prices, and pass those lower prices to customers

9.  Search for Copay Coupons or Patient Assistance Programs. Use manufacturers discounts.. many drug makers offer some type of discount. You can find an up-to-date list of drug-maker discounts at NeedyMeds.org. 

10. Find a Pharmaceutical Assistance Program for the drugs you take if you are on Medicare  

11. Check online for drug coupons (from major pharmaceutical companies or websites from drug makers)

12. Look for patient assistance programs with the drug-maker (if you qualify for an income-based patient assistance program). Check with NeedyMeds for a list of programs. 

13. Choose an insurance plan that covers low-deductible options.

14.  Is it OK to order my medications online from outside the U.S.? 

15. There is a growing number of supermarkets selling low-cost generic drugs like -1) Walmart’s Prescription Program, -2) Walgreens Prescription Savings Club Program, 3) Target, 4) Bashas' and -5) Kroger; -6) H-E-B 7) HyVee  8) Sam’s Club 9) Winn-Dixie  10) Costco.com  (You don’t have to be a member to get a prescription filled at Costco). Some of them charging just $4 for a month's supply of commonly prescribed generics

16. FSAs and HSAs are a way to save on medication by allowing you to use pretax dollars for those and other healthcare costs

17. Your local community independent pharmacy can sometimes meet or even beat low prices at a chain or online pharmacy, but you have to ask.

18. Find a better Medicare drug plan. Use the Medicare Plan Finder to look at different plans or talk with a free expert counselor at your local State Health Insurance and Assistance Programs (SHIP) office.

19. Find out if your state offers extra help paying for prescriptions.

20. HOW SENIORS CAN GET HELP PAYING FOR PRESCRIPTION DRUGS

21. Get a 30- or 90-day supply of a wide variety of medications through your insurance. You’ll usually get it at a very inexpensive price, and it will be shipped to your home.

22. Use Prescription Discount Cards: Prescription discount cards can help you save money on your medications. These cards are free and can be used at most pharmacies 

23. Ask for Samples: If you’re starting a new medication, ask your doctor if they have any samples you can try. This can help you save money on your medication and make sure it works for you before you fill a prescription 

24. Use Mail-Order Pharmacies: Mail-order pharmacies can be a convenient and cost-effective way to get your medications. Many insurance plans offer mail-order pharmacy services 

25. Apply for Patient Assistance Programs: Many drug manufacturers offer patient assistance programs for people who can’t afford their medications. Check with the manufacturer of your medication to see if you qualify 

Warning: One Way You Should Almost Never Fill Prescriptions

Amazon pharmacy : Here to help you save money. To save time. And to save you a trip to the pharmacy. Find low prices on your medication with or without insurance, including savings for Prime members—delivered to your door with a smile.

The Free Tool You Should Be Using Before You Fill a Prescription at CVS or Walgreens 

GoodRx Review: 10 Things To Know Before You Use GoodRx 

3 Things You Need To Do Before You Leave the Pharmacy

6 Pharmacies Offering $4 Prescriptions

Over-the-Counter Meds Savings Secrets 

You can receive an automated call or a text message on your mobile phone reminding you to take your medicine. Call 877-636-6898 or go to www.memotext.com to learn more.

Help with drug costs with "EXTRA HELP" from Medicare 

How To Get Generic Drugs and Low-Cost Prescriptions 

10 Ways To Save on Prescription Drugs 

40% More Savings on Nearly 200 Medications at Walgreens 

Why You Should Always Ask Your Pharmacist the Price of Your Prescription Without Insurance 

10 Ways To Save on Prescription Drugs

Will Mark Cuban’s New Prescription Company Really Save You Money?

Finding a generic alternative that isn't costly 

How Do Discount Prescription Drug Companies Offer Such Big Savings? 

10 Ways To Save on Prescription Drugs 

Over-the-Counter Meds Savings Secrets

Online Pharmacies Can Help You Save Big on Prescription Drugs 

5 Ways to Save on Prescription Drugs

Your new pharmacy is Amazon Pharmacy 

How To Comparison Shop Prescription Drug Prices

How Seniors Can Save Money on Prescription Meds 

Cipa.com : CIPA (Canadian International Pharmacy Association) member websites sell prescription drugs made by the leading name-brand manufacturers at prices up to 80 percent less than U.S.

Blink Health is a website that may help you find cheaper prices for drugs. Put the name of medicines you need and will  show you lowest prices. 

How to Use Over-the-Counter Meds the Right Way

Amazon pharmacy 

Homepage of Mark Cuban Cost Plus Drugs 

Will Mark Cuban’s New Prescription Company Really Save You Money?

The #1 Drugstore for Customer Satisfaction

How a Prescription Discount Card Lets You Save Money

10 Ways To Reduce the Financial Pain of Prescription Drugs 

Check Cost Plus Drug Company for prescriptions

Use This Tool Before Filling Prescriptions at CVS, Walgreens

Should You Buy Medicine by Mail From Canada? 

Download these prescription savings apps

Buy $4 generic drugs

How Can I Get a Better Price on Prescriptions? 

5 Ways I Slashed My Drug Costs up to 50% 

10 Ways To Save on Prescription Drugs

Best Pharmacy for Customer Satisfaction

6 Pharmacies Offering Prescriptions From $4

Introducing Amazon Pharmacy - your meds, delivered 

How Generic Drugs Can Help You Save Money on Your Prescriptions  

10 Things To Know Before You Use GoodRx 

Amazon Launches Two-Day Prescription Delivery and It’s Free for Prime Members

Amazon Pharmacy: How the New Online Service Works  

Introducing Amazon Pharmacy – your meds, delivered 

Over the Counter Meds Savings Secrets 

10 Ways to Save on Prescription Drugs

3 Things You Need to Do With Your Prescription Before You Leave the Pharmacy 

7 Ways to Reduce Prescription Drug Costs Regardless of Health Insurance 

The Best Prescription Savings Apps to Save Money 

3 little-known ways to save money on prescriptions 

How to find the best deals on your prescriptions online

Help with Prescription Drug Costs

How to Comparison Shop Drug Prices Before Your Doctor Sends in a Prescription - Clark Howard

Drug Price Comparisons, Online Pharmacy Safety and Coupon Savings | PharmacyChecker.com

“5 Ways I Slashed My Prescription Drug Costs.” 

What Is the Cheapest Pharmacy for Prescription Drugs? | Money Talks News

Blink Health is a website that may help you find cheaper prices for drugs. Put the name of medicines you need and will  show you lowest prices. 

GoodRx - Prescription Prices, Coupons & Pharmacy Information https://www.goodrx.com GoodRx works to makes its website accessible to all, including those with disabilities. If you are having difficulty accessing this website, please call or email us at (855) 268-2822 or ada@goodrx.com so that we can provide you with the services you require through alternative means.

0 Things to Know Before You Use GoodRx

RxSaver by RetailMeNot - Prescription Coupons, Prices ...

Another website that does comparison shopping for prescriptions: 6 Things to Know Before You Use SingleCare - Clark Howard ; SingleCare vs. GoodRx: Which Is Cheaper? - Clark Howard

https://rxsaver.retailmenot.com With RxSaver by RetailMeNot, you can compare prescription prices and find coupons to save money on drugs at a pharmacy near you. Get your FREE Rx discount card today!

This Grocery Store Has the Best Pharmacy, According to Shoppers | Money Talks News

How to Pay for Pricey Prescriptions

Over the Counter Meds Savings Secrets | After 50 Finances

The Best Prescription Savings Apps to Save Money

How to Lower Your Medicare Drug Costs

HealthWarehouse.com review: This online pharmacy can save you money on prescription drugs 

10 Ways to Save on Prescription Drugs - Clark Howard

How To Avoid Fraud With Herbal Supplements 

Traps to avoid when paying for your medications

Pharmacy buying guide from Consumer Reports

Prescription plans for less

15 Ways to save on prescription drugs

• 7 things to know before you use GoodRx to save on prescription drugs

• Pill splitting: How I save 75% on prescription drugs

• New report: This pharmacy’s prices are cheaper than Costco

It’s Easy to Get Extra Help with Your Prescription Costs | Social Security Matters

http://blog.socialsecurity.gov/its-easy-to-get-extra-help-with-your-prescription-costs/

GoodRx: Prices, Coupons and Information GoodRx makes comparing prescription drug prices easy. Their app provides current cash and sale prices, coupons and valuable savings tips for thousands of prescriptions at pharmacies near you. GoodRx tells you which pharmacies have drugs for less than $4 per fill, and some where certain prescriptions for free!

Web-based pharmacies are the least expensive like www.healthwarehouse.com, www.familymeds.com and www.Costco.com and www.drugstore.com

Buy generics at major retailers like CVS, Walgreens, Kroger, Kmart, Wal-Mart and Target. For a list of safe and effective generic drugs that works as well as or better than brnad-name alternatives go to www.ConsumerReportsHealth.org/bestbuydrugs

Start calling around to different pharmacies for lowest prices. Wal-Mart, Target, Safeway and other retail chains offer many generic drugs at $4 for a 30 day supply with no eligibility restrictions.  Several chains have recently lowered prices on 90 day supplies to $0-$15.

$4 Prescriptions - walmart.com

https://www.walmart.com/cp/4-dollar-At Walmart Pharmacy, they offer customers affordable prices for generic medications. Find yours for just $4 or $10 for a 30 or 90-day supply.

Many pharmacies have discount cards for free.

Visit www.destinationrx.com which automatically compares drug prices at local pharmacies. If the price is still too high ask your doctor or pharmacist for the generic version or another substitute like older brand name drugs. . A government study showed that using smart shopping techniques for prescriptions brought the price of one heart drug from $139.74 all the way down to just $5.65.

Check online pharmacy prices at www.pharmacychecker.com or www.drx.com . Make sure the site you order from is one of the licensed and accredited Verified Internet Pharmacy Practices Sites (lok for the VIPPS logo)

www.xubex.com offers more than 250 generic medications at a cost of $20 to $30 for most 90 day supply.

Some drugs companies  and many mail order pharmacies offer discount porgrams for those who qualify. Learn more at www.rxoutreach.com offers more than 350 generic medications at a cost of $20-$95 for a 180 day supply. Or got to www.pparx.org too.

Contact the manufacturer of your medicine. Most companies offer free or low-cost prescriptions drugs to low-income people who meet their eligibility guidelines. Also, many states provide help. Call your state health department. Check out www.aarp.org/bulletin/presciptions or www.aarp.org/health/comparedrugs (click on “Your guide to state-run and private pharmacy assistance programs”.) Other sources: www.needymeds.com  lets patients search for applicable programs, download applications, search for local help with paperwork and find assistance based on location or disease look also into  the Pharmaceutical Research and Manufacturers of America at www.phrma.org.

Call you medical plan and ask to receive your medicines by mail. Mail-order pharmacies typically offer three-month supplies at the same copayment as one month refills.

AAA has a free prescription savings plan that can save you up to 33%  on prescription drugs. Another prescription club is available through www.togetherrxaccess.com but you have to meet certain requirements. It is sponsored by 9 major drug companies … this free card offers 20%-40% discounts on retail prices for more than 300 drugs.

Merck and Pfizer offer separate discount cards for many of their medications. Discount ranges from 15%-50%. Got to www.merckhelps.com/uninsured or  www.pfizerhelpfulanswers.com

www.smartchoicedrugstore.co is a full service pharmacy offering cancer medications at cost. It guarantees the lowest price of any pharmacy in the US. www.drugstore.com carries a huge inventory of drugstore products including over the counter and prescription drugs. You can get a 5% credit for every purchase.  And if you are into discount natural foods this web site www.vitaglo.com offers vitamins, supplements and dietary needs at huge discounts.

Look up prescription drug information by brand or by generic name at www.health.usnews.com/drugdirectory

Patients struggling to afford prescription drugs can find details on programs that provide free or low-cost medication at two clearinghouses, the Partnership for Prescription Assistance (www.pparx.org or 888-4PPA-NOW) and RxHope (www.rxhope.com ). Partnership for Prescription Assistance (www.pparx.org) helps match patients to more than 475 private and public programs with aid of an online tool. Has information on other types of assistance such as help with copayments and premiums

Enter your prescription at www.rxexaminer.com and the site gives you a price comparison report that lists all retail and online sources of the drug even if there is no generic version of your medication.

Before you go to the pharmacy, go to the website for that medication to check for coupons and rebates you can use to reduce your co pay.

www.iguard.org is an online service that makes it easy to look up side effects and potential drug interactions of all your prescription, OTC medications , supplements and herbs. You can also get important news alerts about drug safety and recalls of medications you are taking.

www.RxAssist.org allows patients to search a database of patient assistance programs by medication. It provides tip sheets on getting free or low cost medications, information on co pay, generic drugs and other types of assistance programs.

Any leftover medications?

How to Donate Prescription Drugs to Help Those in Need

Step 1: Locate a place to donate the unused medication. Start with the hospital where your loved one was treated. It may have a program in place to accept the medication. You can also check with your local pharmacy, contact your state Board of Pharmacy or get in touch with SIRUM . Step 2: Make sure your medicine is accepted.

 Find safe online pharmacies: https://safe.pharmacy/buy-safely/

Drug disposal: https://safe.pharmacy/drug-disposal/ 

 Wyoming Medication Donation Program : will accept unused medications and sharps from any state.  

Buy the book “How to Save on Prescription Drugs” by Edward Janini. M.D.

QUOTES:

Saving on OTC Meds : I used to buy over-the-counter medicine at the Big Box store till one day when I cleaned out my medicine cupboard. I discovered that I had 1/2 jars, bottles, and tubes of expired meds, which I tossed in the trash. When I next went to buy an over-the-counter ointment the doctor recommended, I went to my local ""small town pharmacy"". Not only did he recommend a no-name substitute, he advised me to buy the smaller size, as the condition should clear up in a few days and not reoccur. Since then, I've bought the smallest size for one-time illnesses, the larger sizes for reoccurring illnesses, like colds. Clare from Dollar Stretcher Tips

Another Way To Save on Pharmacy Medications

Regarding the article Options for Medications Not Covered by Medicare: For FDA-approved drugs sold at your local pharmacy (not specialty pharmacy drugs), this article did not mention that there are several options to get a better price on non-covered medications for privately insured and Medicare-insured people. The one I use is GoodRx, but there are others. Just google it. Take a minute to look up a medication that your insurance/medicare doesn’t cover and you’ll see significant savings almost every time. It can be confusing for a non-medical person to look up a medication (different doses, different forms as some come in both oral and liquid or in creams/ointments), but just join the app of your choice and take your virtual card (on your phone) or a print-out to the pharmacy and ask what your prescription would cost with this coverage. You can do this at the pickup window.

Janey from Dollar Stretcher tips

Here are some tips to save money on medical equipment and supplies:

1. Shop Online: One of the best ways to save money on medical equipment and supplies is to shop with a medical supply store online. These stores have access to higher quantities of the same products you’ll find in a pharmacy or a brick-and-mortar medical supply store. The fact that they’re able to buy in bulk means that you’ll be able to purchase these items at much lower prices than you’ll find elsewhere 

2. Buy Used: There are many kinds of equipment that you can buy second-hand to save. For example, canes, walkers, wheelchairs, foot stools, scooters, and other devices can be purchased on used equipment sites for up to half off the original price 

3. Negotiate Prices: Many suppliers are willing to offer discounts for larger orders, and by negotiating these discounts, you can save significant amounts of money. To negotiate with suppliers, it’s important to do your research and have a good understanding of the market prices for the items you are interested in 

4. Use Medicare/Medicaid: If you have Medicare or Medicaid, you may be able to get coverage for some medical equipment. Check with your provider to see what’s covered 

5. Look for Grants and Nonprofit Resources: Grants and nonprofits are a wonderful resource for finding financial assistance when purchasing adaptive equipment. Look for manufacturers that offer trial periods, demo devices or in-store demos to make sure a product is a good fit for you 

6. Check with Your Insurance Provider: Some insurance providers offer coverage for medical equipment. Check with your provider to see what’s covered 

7. Use Your FSA or HSA: If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use pre-tax dollars to pay for medical equipment and supplies 

The Best Places To Buy Hearing Aids Under the Updated Law

Assistive Technologies Services No Monthly Fee Medical Alert Systems, Mobility - Vision - Hearing, Security - Communicating

Ways to Save On Medically Related Equipment Not Covered by Insurance 

QUOTES: 

Finding Affordable Medical Equipment: There are a lot of ways to look for the medical equipment you need! Contact several medical supply companies and ask what happens to their used, but still in-good-order equipment. Medicare helps pay for this, but when the patient no longer needs it, they pick it up and take it back to the shop. Advertise on Craigslist and put the word out on Facebook. If your insurance won't help bear the cost, then contact some of the social service agencies for help. S. from Dollar Stretcher Tips

Do You Qualify for Special Electric Rates? If you use any kind of electrical medical device (like a CPAP machine or nebulizer), check with your electric company about a discount. In some places, they have a special rate for homes that have medically-necessary devices. There was an application form that my doctor had to sign. The rate was significantly lower and well worth the effort. Zoe from Dollar Stretcher Tips

Here are some tips to save money on eyeglasses and eye exams:

1. Research Your Options: Before you have your eyes examined, research your choices so that you will know what to ask, understand your options better, and avoid being oversold on extras you don’t need. There are many good online resources you can use to find information, including AllAboutVision.com, Eyeglasses.com, and LensesRx.com 

2. Talk to Your Eye Doctor: If your prescription is more than a year old, you’ll need a new eye exam. While at the doctor’s, ask for recommendations about which lenses and frames are right for you. For example, your ophthalmologist may recommend a certain type of progressive lens or a specific material for your lenses. Ask the doctor to measure what’s called your pupillary distance or PD (the distance between the center of each of your pupils) and include it on your prescription. You’ll need the PD (two for multifocal lenses) if you decide to order lenses online. Some eyewear websites give you instructions on how to measure it yourself, but a professional will be able to do it more accurately. At least five states—Alaska, Arizona, Kansas, Massachusetts and New Mexico—require that doctors provide you with your PD. So when you book your exam, verify that your eye doctor will give it to you. Some doctors charge extra for this service unless you’re ordering glasses from them. If your doctor won’t provide your PD or charges for it, consider going elsewhere 

3. Explore Frames: If your doctor sells frames, start by trying on some from his or her selection. Make note of the brand, model, and size of the frames you like. Also record prices and details about the seller’s return policies and warranty. (You’ll need to know the cost of eyeglasses in order to comparison shop.) 

4. Compare Your Options: Once you’ve narrowed the frame choices, use a web search to find and price your favorite pairs, which in most cases you’re likely to find online. Get the prices on lenses, too, when considering the cost of eyeglasses, so that you can compare. One potential shortcut: If your eye exam was at Costco, Sam’s Club, or Walmart and you find a frame you like at the same store, our survey results suggest that you’ll likely be satisfied if you simply go ahead and order your lenses there 

5. Use Prescription Discount Cards: Prescription discount cards can help you save money on your medications. These cards are free and can be used at most pharmacies 

On the temple or the arm of the glasses they have the #'s you will need to order glasses that fit. It will show you the measurements that you need to order the right type online.

Example:  48-18-140

The first number (in this case 48) will give your the lens width, the 2nd number (in the example is 18) the bridge width and the last number (140) the temple or the arm length. 

GlassesUSA Review: 5 Things To Know About the Cheap Eyeglasses Option

Convenient, Affordable Eyeglasses: How Warby Parker Works

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Walmart Vision Center: 5 Things To Know Before Your First Visit

5 Things To Know Before You Buy Eyeglasses From Walmart

How Can I Save Money on Eye Care? Tips for Seeing More Savings

Eyeglass Rule updates: What they mean for you

Where Can You Donate Old Eyeglasses?

The specs on specs: What eye doctors need to know about the FTC’s revised Eyeglass Rule

Clark’s Favorite Place To Buy Affordable Eyeglasses

Should You Buy Eyeglasses From Zenni?

4 things you need to know about vision insurance

Aging Eyes? 6 Ways To See Savings on Eyeglasses 

How I Found Great Glasses Online for Just $33 

Where To Get Cheap Eye Exams 

The Membership Club With the Cheapest Eye Exams

What To Know About Walmart’s Vision Center

Opternative: Eye Exams From Home: free vision test at home

Clark’s Favorite Place To Buy Affordable Eyeglasses

6 Places To Get Cheap Eye Exams

How To Buy Eyeglasses for As Little as $12

Check coastal.com : provides affordable eye wear

12 Best Places to Buy Prescription Eyeglasses for Cheap (Online / In-Store)

Lookin’ Good! How to Get a Killer Deal on Eyeglasses 

Get Cheap Prescription Eyeglasses: 5 EyeBuyDirect Tips

The Best Places To Buy Eyeglasses

Warby Parker Review: 5 Things To Know Before Buying Glasses  

Zenni Optical Review: 6 Things to Know Before Your First Order

America's Best Contacts & Glasses: 5 Things To Know 

Walmart Vision Center: 5 Things to Know Before Your First Visit 

Where to Get Cheap Eye Exams

Get cheap prescription eyeglasses at www.eyeglassdirect.com where lenses and frames star at just $28

Other places to get prescription glasses at a discount (get a prescription from eye Doctor that includes the PD- pupilary distance first):

ZenniOptical.com - Zenni Optical® Eyeglasses‎

Zenni Optical Review: 6 Things to Know Before Your First Order 

Goggles4u.com - Goggles4u® Official Site‎

 EyeBuyDirect.com - EyeBuyDirect® - Save‎

Best and worst eyeglasses and contact lens stores

14 Secrets to Saving on Eyewear

How to Find Inexpensive, Stylish Eyeglasses

Target Optical Review: 5 Things to Know Before Your Visit 

3 Popular Eyeglasses Shops: Zenni vs EyeBuyDirect vs Warby Parker

onlineglassesreview.com/zenni-vs-eyebuydirect-vs-warby-parker/

Zenni vs. EyeBuyDirect vs. Warby Parker: Prescription Eyeglasses. For our side-by-side comparisons, we chose a similar pair of eyeglasses and sunglasses from each retailer with similar lens treatments to make it as much of an apples-to-apples comparison as possible

QUOTES:

A Source For Affordable Eyeglass Frames: I recently had an eyeglasses Rx filled at Walmart. My frames were only $17. I am female but selected non-designer and non-name brand frames from their men's collection. No one can tell the difference. The frames fit my face and I get compliments about how they look on me. I also use readers (magnifying glasses) from the drugstore but my "real" eyeglasses' frame is much sturdier. Although I got mine at Walmart, I've been told that Sam's Clubs are even cheaper and you don't have to be a Sam's member to visit their eyeglasses section.

LB from Dollar Stretcher Tips

Here are some tips to save on contact lenses:

1. Use Generic Lenses: Generic lenses are just as effective as brand-name lenses, but they’re much cheaper. Ask your eye doctor if there’s a generic version of your contact lenses available 

2. Buy in Bulk: You might be able to save money by buying contact lenses in bulk from membership warehouse clubs like Costco, Sam’s Club, and BJ’s instead of paying to ship repeated orders. These clubs often offer lower prices and members sometimes get additional savings through instant rebates and promos like free shipping 

3. Use Prescription Discount Cards: Prescription discount cards can help you save money on your medications. These cards are free and can be used at most pharmacies 

4. Check with Your Insurance Provider: Some insurance providers offer coverage for contact lenses. Check with your provider to see what’s covered 

5. Use Your FSA or HSA: If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use pre-tax dollars to pay for contact lenses 

6. Shop Around: Prices for contact lenses can vary widely depending on where you go. Shop around and compare prices from different retailers to find the best deal 

7. Use Online Retailers: Online retailers can be a convenient and cost-effective way to get your contact lenses. Many online retailers offer competitive prices and free shipping 

8. Ask for Samples: If you’re starting a new brand of contact lenses, ask your eye doctor if they have any samples you can try. This can help you save money on your contact lenses and make sure they work for you before you fill a prescription

9. Use Rewards Programs: Look for rewards programs that offer promos, discounts, and money back for repeat customers

10. Use Vision Discount Plans: With a vision discount plan, you can receive discounts on eye care without committing to a vision insurance plan 

America's Best Contacts & Glasses: 5 Things To Know 

The Cheapest Places To Buy Contact Lenses  

A good place for price comparison specific to contact lenses are www.tjoos.com, www.healthpricer.com and www.lensprice.com.

Steps to get cheap contact lenses:

1) Talk to one of the discounters online like Costco or Contact Lenses at 1-800 CONTACTS | World's Largest Contact Lens ...

2) Find out which lenses they sell, what brands that they can sell at free market price

3) Go get a prescription for one of these specific lenses when getting the prescription for the Doctor

Fill your contact lens online for the best deals. A couple of sites to check www.lens.com and www.visiondirect.com

Best and worst eyeglasses and contact lens stores

"I bought contact lenses recently and had forgotten just how much money you can save by purchasing them online! My eye doctor gave me the option of purchasing in-house, but a quick Google search made it clear I’d save a ton of money buying them online. I wound up getting a 2-year supply for under $200 at Lens.com. Pro tip: I actually got a better price than was publicly available by typing into Google the brand name and “price comparison” and I highly recommend you do the same! The Google search looked like: “Air Optix Aqua price comparison” and the price that appeared in the ‘sponsored ads’ section was 30%+ off what I was seeing at various online stores!" From  ChooseFI frugal win of the week

Here are some tips to save on hearing tests and hearing aids:

1. Shop Around: With a wide variety of devices, services and prices available, you need to know the landscape before buying. Technology and services (like testing, education, fitting and follow-up exams) are the main drivers of cost. Some people may need more comprehensive testing, follow-up care and specialty products.

2. Know What Options Are Included in the Price: Four key things to ask when considering a hearing aid provider: a. Is there a payment, subscription or leasing plan that spreads out the financial burden over time? b. What are the bundling options? c. What is the warranty? d. What is the return policy? 

3. Use Medicare/Medicaid: If you have Medicare or Medicaid, you may be able to get coverage for some hearing aids. Check with your provider to see what’s covered 

4. Look for Grants and Nonprofit Resources: Grants and nonprofits are a wonderful resource for finding financial assistance when purchasing adaptive equipment. Look for manufacturers that offer trial periods, demo devices or in-store demos to make sure a product is a good fit for you 

5. Use Prescription Discount Cards: Prescription discount cards can help you save money. These cards are free and can be used at most pharmacies 

The Best Places To Buy Hearing Aids 

You can also get a free hearing test at Costco.

Buy cheap hearing aides on Amazon were they are called "psap": PSAPs - AARP

Other place to buy hearing aides at reasonable price: iHear Medical  .  and Walmart

The National Hearing Test is an accurate, validated hearing screening test, developed with funding from the National Institutes of Health. This not-for-profit screening is taken over a telephone to help you determine if you need a complete hearing evaluation. It has no financial connection with any hearing products/services. It can be free for AARP members or can cost $5

Medical tourism involves traveling to another country to obtain healthcare. Traveling for medical, dental, and cosmetic treatments could save you money. Because healthcare costs in the U.S. are the world’s highest, some people are willing to travel to meet their needs. According to medical-tourism advocacy group Patients Beyond Borders, more than 20 million people worldwide crossed international borders in 2019 for medical tourism. About 2 million of those people traveled from the U.S.

Soaring medical costs are driving Americans abroad for medical treatment. Some US Companies and insurers anxious to lower care costs, are driving the trend by urging employees to be treated in one of a growing number of countries that cater to foreign patients among them Thailand, India, Singapore, Hungary, South Africa, Dubai, Costa Rica and Brazil. If you want to consider this alternative start by checking with your own insurance first to see if they could cover it. The check out the Joint Commission International (JCI) which evaluates and accredits health care facilities abroad at www.jointcommissioninternational.com . The JCI has accredited 130 hospitals serving foreign patients worldwide. Also check the Joint Commission International Center for Patient Safety at www.jcipatientsafety.org and the American Medical Association (AMA Adopts Ethical Guidance on Medical Tourism - drugs.com)  The AMEDEX Global Group Inc. offers emergency travel help and international medical insurance at www.medeassist.com. There are also health travel agencies that plan trips combining medical care and vacations like www.medjourneys.com, www.medretreat.com, www.medicalnomad.com and www.planethospital.com. Also buy the book “Patients Beyond Borders; Everybody’s Guide to Affordable, World-Class Medical Tourism” by Josef Woodman (Healthy Travel Media, 2007) were he tells how to plan and budget for medical care abroad and how to find the best doctors and hospitals. You can also go to his website at www.patientsbeyondborders.com or you can find his list of hospital survey at www.health.usnews.com and look for world hospital research or medtravel.

There are concierge services like www.medretreat.com and www.IndESHealth.com that help with lists of potential hospitals overseas, appointment scheduling, arranging airport pickup and drop off and al kinds of  general help.

Is medical tourism right for you? | Clark Howard

Top 7 Things to Look for When Choosing a Medical Tourism Facilitator 

For more information on medical tourism check:

1) Joint Commission International: Patient Safety, Accreditation ...

2) WorldHospitalSearch.org: Find a Gold Seal Hospital

3) Patients Beyond Borders | The most trusted resource in medical travel

Here are some tips to save money on medical procedures:

1. Know Your Insurance Plan: One of the important ways to save on medical costs is to know your insurance plan. Read your insurance information closely and know what costs you’re responsible for. Check which expenses are covered and by how much, and which expenses are not. Use providers in your network to avoid out-of-network bills 

2. Shop Around: Prices for medical procedures can vary widely depending on where you go. Shop around and compare prices from different providers to find the best deal 

3. Use Telemedicine: Telemedicine allows you to consult with a doctor remotely, which can save you time and money. Many insurance plans now cover telemedicine visits 

4. Negotiate Prices: Many suppliers are willing to offer discounts for larger orders, and by negotiating these discounts, you can save significant amounts of money. To negotiate with suppliers, it’s important to do your research and have a good understanding of the market prices for the items you are interested in .

5. Apply for Financial Assistance: Many hospitals and healthcare providers offer financial assistance programs for low-income patients. Check with your provider to see if you qualify 1.

6. Use Your FSA or HSA: If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use pre-tax dollars to pay for medical expenses 1.

7. Choose In-Network Providers: If you have health insurance, make sure you choose providers that are in your network. Going out of network can result in much higher medical bills 12.

8. Ask for Itemized Bills: Medical billing errors are common and can result in overcharges. Review your medical bills carefully and make sure you’re not being charged for services you didn’t receive 1.

9. Use Free Clinics: Free clinics offer medical care to people who can’t afford it. Check with your local health department to find a free clinic near you 13.

10. Apply for Medicaid/CHIP: Medicaid and the Children’s Health Insurance Program (CHIP) provide free or low-cost health coverage to millions of Americans, including some low-income people, families and children, pregnant women, the elderly, and people with disabilities 1.

11. Use Health Savings Accounts (HSAs): HSAs allow you to save money on a pre-tax basis to pay for medical expenses. If you have a high-deductible health plan, you’re eligible to open an HSA 

12. Audit Your Medical Bills: Review your medical bills carefully and make sure you’re not being charged for services you didn’t receive. Medical billing errors are common and can result in overcharges 

13. Choose a Higher Deductible: A higher deductible means you’ll pay more out of pocket before your insurance kicks in, but it also means you’ll pay a lower monthly premium. If you’re generally healthy and don’t expect to need much medical care, this could be a good option for you 1.

14. Use Free Preventive Services: Many insurance plans cover preventive care, such as annual checkups and screenings, at no cost to you. Take advantage of these services to catch health problems early and avoid costly medical bills later on 1.

15. Choose a Catastrophic Plan: If you’re under 30 or qualify for a hardship exemption, you can purchase a catastrophic health plan. These plans have low monthly premiums but high deductibles, and they’re designed to protect you from worst-case scenarios 1

16. Use a Health Care Sharing Ministry: Health care sharing ministries are organizations in which members share the cost of each other’s medical bills. What Are Health Care Sharing Ministries (HCSMs)?

MDsave: Shop Affordable Medical Procedures Near You. Save an average of 50%. No membership fees. No surprise bills.

Healthcare Blue Book - Find Fair Prices for Medical Procedures

https://www.morewithlesstoday.com/healthcare-blue-book-fair-prices-for-medical-procedures/

Search the Healthcare Blue Book to find fair prices on health care services and medical treatments in your area. The Healthcare Blue Book is a free resource to help you negotiate a fair price for surgeries, doctor visits, medical tests and more.You can also find and compare prices on labs, cosmetic medicine, dental procedures, and hearing aids.

How to find out beforehand what you will pay: two resources that can help those with high deductible plans, or those who just want some certainty as to what they are paying:

• ​MDSave.com: You can shop local providers and buy your health insurance procedure in advance with price certainty. 

• ​Ulta Lab Tests: select a la carte lab testing at a very reasonable price

A price comparison website such as Guroo or an app like MyMedicalShopper can help you compare the prices of various procedures, tests, or surgeries among providers in your area.

Check MDSave.com for hundreds of different procedures, scans and tests at a fraction of what you’d pay your local hospital or imaging center through insurance

Check Ulta Lab Tests for a la carte blood testing at extremely reasonable rates and easy scheduling

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Smartshopper reminds you that you have choices when it comes to your health care. If your doctor recommends a particular medical service, SmartShopper can tell you how much that test or procedure costs at different in-network facilities in your area. If you choose a cost-effective option, you can qualify for a cash reward.

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