Financial Medical Tips

Here are some financial medical tips to help you during this financial crisis the world is facing.

1) Keep your health insurance coverage. This is as important as your home and food. Cut expenses elsewhere to keep it in your budget. Let your doctor know if you do not have insurance coverage. Many offer discounts to the uninsured as do other health providers like hospitals and diagnostic centers. Pay for what you need instead of relying on insurance.

2) If you lose your job, get COBRA through your employer. You will have at least 18 months of coverage. You will have to pay for it. It is worth it.

3) Be sure you are up to date on your health maintenance. Get in now for your physical and preventive tests (mammogram, blood tests, eye exam, shots, etc.).

4) Check your medication, prescription and non-prescription. Review these with your doctor to discontinue any you really do not need, and/or can't afford. Let your doctor know if you are unable to afford any of your medication, so other options can be discussed such as drug assistance programs. Research them yourself on the Internet, and by calling or writing the drug company that makes your medication. Remember to include your non prescription meds in your budget (like cough medicine, stool enhancers, pain relievers, etc.). Talk with your pharmacist.

5) Discontinue unhealthy habits like smoking and excessive drinking.
These items cost money and your health.

Remember that YOU are your most important asset. Great health is true wealth.

Dr. Richardson is the author of the award winning, Patient Handbook to Medical Care: Your Personal Health Guide, and Building an American Health System.

http://www.mypatienthandbook.com/