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Q: How can we save money on health care costs?
Answer(s) to this Question (
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Prescriptions
Check to see if you qualify for free prescription drugs. 54 pharmaceutical companies offer medicine free to those who qualify. www.phrma.org/
Health Clubs
Try to negotiate lower price memberships at health clubs in the spring when the weather warms up and attendance drops off.
Community Health Screenings
Keep an eye out for free community health screenings. They can save you a substantial amount of time and money by taking advantage of them.
Health And Beauty Savings
Take time to dig around the supermarket clearance bins for health and beauty products. The savings can be a quarter or more of the normal price.
Shop Around
Compare prices and shop around when filling prescriptions. You will often find that the same drug is a few dollars cheaper at one pharmacy than another.
Know Your Formulary
Whatīs a formulary you ask? Itīs the preferred list of drugs that your health insurance company will pay for. If you stick with that list you can minimize out of pocket expenses.
Talk To Your Doctor
Talk to your doctor about how much you are spending each month on prescription drugs. Donīt be afraid to tell your doctor you can not afford a particular medicine. They may have a cheaper alternative.
No Automatic Refills
Unless you need it donīt automatically refill a prescription. If a medication is "as needed" wait until you need it to refill. This will also help prevent having a medication expire before you can use it all.
Consider Over The Counter
Many drugs that were once prescription only are now sold over the counter at drugstores and supermarkets. Check to see which is a better deal for you, getting the prescription and paying the co-payment or getting the over the counter item instead.
Discount Drug Programs
Consider a discount drug program such as those offered by RxUniverse-www.rxuniverse.com or YourxPlan-www.yourxplan.com. These plans negotiate special pricing and can either mail you your medications or give you a discount card to use at your local pharmacy.
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