Make Healthy Wealthy

Saving money is healthy and good way to promote good health and wellness. Health prices are escalating more rapidly than prices of other services right now.  There are some things you can do to help avert financial stress. This can include:

·       Shop around for best care and prices.  Your insurance company may cover a diagnostic test with partial payment. This may be higher than the actual charge if you pay yourself.  Call places in your area that offer the same test to check for prices that are cheaper and fit your budget.  If your health insurance deductible is a hefty $6,000 or more, this may fail to be attained.  Paying out of pocket may come out less expensive than $6,000.

·       Cook at home.  Home cooked meals are healthier and cheaper.  You can get more meals from unprepared and uncooked grocery items.  The average cost of one restaurant meal without drinks is about $30.  The grocery equivalent would be two or more good, healthy meals cooked to your taste and perfection.

·       Use cheaper non-prescription medication.  There are many over the counter medication that can do the same as more expensive, newer drugs.  Many of these were prescription medication at one time.  They may be safer as well since they have been in use for a longer time and been proven effective.

·       Exercise at home.  Create your own exercise plan.  Use exercises you learned in school physical education classes.  Simple stretching, arm rolls, jumping jacks, deep knee bends, sit-ups, and more.  Walking and running on land or in the pool are good aerobic activities.  Exercise can also be done in bed and in a chair.

·       Read more.  The cost to read is better health, more knowledge, and more information of your choice.  The actual cost of reading material can be as free as you make it using the library and Internet.

·       Develop a home entertainment program.  Your choices of your interests have proven to be healthier.  There is less stress over programs and their content.  If it must include television, make your own library with your preferred DVDs and TV sticks that attach to the television.  This works on your schedule. It is free of thoughtless commercial time, unpleasant images, and loud opinions that take away from a program’s content.  Cutting the cable cord can be healthy and good for wellness as well as a big money saver.

·       Take more staycation.  Vacations at home and nearer to home can be much healthier, cheaper, and less stressful.

·       Try to buy mainly that which is necessary leaving the desired for another time when extra money is available.  Reward yourself every now and then but stay within your means.

·       Save consistently.

For more ways to save money check out “10 Money Saving Medical Tips” http://bit.ly/1Gt4f8I .  Best health!

Your Health Budget: Medication Affordability and Rising Healthcare Prices

The 2021 United States median income was about $45,760.  This amounts to about $3,813 per month.  After taxes this could be about $2542 per month for basic living expenses including rent/ mortgage; utilities; food; clothing; schooling; transportation; healthcare; insurances healthcare, home(s), car(s); and for other family necessary needs.  Ten percent of this ($254) could be just one of several medicines you take. Add more medication and it can easily become 20%. For patients below the poverty level, those with lowest average yearly salary of $18,074, especially those who are disabled or over 60 on Social Security Supplemental Income, this may be difficult.  

Patients have concerns about necessary medication, prescription or non-prescription, that they are unable to afford.  These include price, real necessity (i.e., other treatment options), and good treatment for that which it was given.  Will it control, make better, and cure their malady without side effects?  If it fails, the patient may get sicker as well as financially unstable.  

The days of patients taking everything the doctor prescribes or says are fewer.  Patients have become empowered in all ways especially with responsible self-care and health literacy.  Once diagnosed, or even prior to seeing the doctor, patients are able to immediately look it up and learn more about their condition(s), medication used for treatment, newest treatment options, specialists, special therapists, and so much more.  This helps you get the best treatment at prices that fit your budget.

Remember to discuss medication money issues with your healthcare providers.  They will be sure to help find affordable resources for you.  Also discuss, other treatments like proper nutrition and physical therapy which can done in your home.  This makes it easier and allows it to be continued more effectively.  Find what works best for you.  Best health!   

Good Health and Money

Saving money is healthy and good way to promote good health and wellness. Health prices are escalating more rapidly than prices of other services right now.  There are some things you can do to help avert financial stress. This can include:

·       Shop around for best care and prices.  Your insurance company may cover a diagnostic test with partial payment. This may be higher than the actual charge if you pay yourself.  Call places in your area that offer the same test to check for prices that are cheaper and fit your budget.  If your health insurance deductible is a hefty $6,000 or more, this may fail to be attained.  Paying out of pocket may come out less expensive than $6,000.

·       Cook at home.  Home cooked meals are healthier and cheaper.  You can get more meals from unprepared and uncooked grocery items.  The average cost of one restaurant meal without drinks is about $30.  The grocery equivalent would be two or more good, healthy meals cooked to your taste and perfection.

·       Use cheaper non-prescription medication.  There are many over the counter medication that can do the same as more expensive, newer drugs.  Many of these were prescription medication at one time.  They may be safer as well since they have been in use for a longer time and been proven effective.

·       Exercise at home.  Create your own exercise plan.  Use exercises you learned in school physical education classes.  Simple stretching, arm rolls, jumping jacks, deep knee bends, sit-ups, and more.  Walking and running on land or in the pool are good aerobic activities.  Exercise can also be done in bed and in a chair.

·       Read more.  The cost to read is better health, more knowledge, and more information of your choice.  The actual cost of reading material can be as free as you make it using the library and Internet.

·       Develop a home entertainment program.  Your choices of your interests have proven to be healthier.  There is less stress over programs and their content.  If it must include television, make your own library with your preferred DVDs and TV sticks that attach to the television.  This works on your schedule. It is free of thoughtless commercial time, unpleasant images, and loud opinions that take away from a program’s content.  Cutting the cable cord can be healthy and good for wellness as well as a big money saver.

·       Take more staycation.  Vacations at home and nearer to home can be much healthier, cheaper, and less stressful.

·       Try to buy mainly that which is necessary leaving the desired for another time when extra money is available.  Reward yourself every now and then but stay within your means.

·       Save consistently.

For more ways to save money check out “10 Money Saving Medical Tips” http://bit.ly/1Gt4f8I .  Best health!

Home Health Care Heals Healthier

Did you know most Medicare expenses are utilized in the last year of life?  This fact has become more recognized as patients find themselves financially unable to afford proper services to maintain an independent quality of life.  In addition, many over 60 years of age have multiple chronic conditions.  Aging plus chronic conditions that may have become disabling can make health diagnosis and treatment less effective yet more challenging to all healthcare providers.  This also includes family and non-family caregivers who must give up their time, job, etc. to help with care that is unaffordable on a fixed income.


Home based health care is on the rise as the population ages.  More patients than ever before are transitioning to healthcare in their homes including primary care provider visits, tests, and treatment. Studies have found that home health care keeps people healthier and out of the hospital.  It is only natural that the best place to heal and recover is home.


Hospital discharge planning has prepared you for your return home. Most of your care and treatment can be at your home. The old-fashioned housecall remains an important part of medical care.  Most of all it provides continuous continuity at a time when you are unable to physically go to your healthcare providers office.  This is further enhanced with modern technology such as telemedicine.  The convenience and quality time spent with patients in home care lets the doctor, nurse practitioner, physician assistant, nurse, and other ancillary providers see you in your natural environment of everyday living.


Home health care includes personal care, too.  Often this service is necessary for help with bathing, dressing and activities of daily living.  Cooking and light housekeeping are just a few of the other services that may be offered.  Patients are able to recover comfortably and quicker when this type of home assistance is included.  Though rarely covered by regular insurance, it is an important part of any home care plan.  Saving money over the years for home personal care should be included in your financial plan especially long term.


Many primary care providers do well care in the home, too.  Minor medical maladies and routine medical care are easily rendered during a house   call. Timely appointments can be made to fit your schedule. As this method of direct primary continues patients are seeing better health outcomes especially after hospitalization.  Readmissions within thirty days are less likely.  Best of all the patient feels better and recovers more quickly.  Home based health care provides greater continuity of care and active, current communication for the patient and all those involved. Get better, stay better at your house.  Best health!

More Money Saving Medical Tips

Save Your Money on Your Health

Saving money is healthy and good way to promote good health and wellness. Health prices are escalating more rapidly than prices of other services right now.  There are some things you can do to help avert financial stress. This can include:

·       Shop around for best care and prices.  Your insurance company may cover a diagnostic test with partial payment. This may be higher than the actual charge if you pay yourself.  Call places in your area that offer the same test to check for prices that are cheaper and fit your budget.  If your health insurance deductible is a hefty $6,000 or more, this may fail to be attained.  Paying out of pocket may come out less expensive than $6,000.

·       Cook at home.  Home cooked meals are healthier and cheaper.  You can get more meals from unprepared and uncooked grocery items.  The average cost of one restaurant meal without drinks is about $30.  The grocery equivalent would be two or more good, healthy meals cooked to your taste and perfection.

·       Use cheaper non-prescription medication.  There are many over the counter medication that can do the same as more expensive, newer drugs.  Many of these were prescription medication at one time.  They may be safer as well since they have been in use for a longer time, and been proven effective.

·       Exercise at home.  Create your own exercise plan.  Use exercises you learned in school physical education classes.  Simple stretching, arm rolls, jumping jacks, deep knee bends, sit-ups, and more.  Walking and running on land or in the pool are good aerobic activities.  Exercise can also be done in bed and in a chair.

·       Read more.  The cost to read is better health, more knowledge, and more information of your choice.  The actual cost of reading material can be as free as you make it using the library and Internet.

·       Develop a home entertainment program.  Your choices of your interests have proven to be healthier.  There is less stress over programs and their content.  If it must include television, make your own library with your preferred DVDs and TV sticks that attach to the television.  This works on your schedule. It is free of thoughtless commercial time, unpleasant images, and loud opinions that take away from a program’s content.  Cutting the cable cord can be healthy and good for wellness as well as a big money saver.

·       Take more staycation.  Vacations at home and nearer to home can be much healthier, cheaper, and less stressful.

·       Try to buy mainly that which is necessary leaving the desired for another time when extra money is available.  Reward yourself every now and then, but stay within your means.

·       Save consistently.

For more ways to save money check out “10 Money Saving Medical Tips” http://bit.ly/1Gt4f8I .  Best health!

10 Money Saving Medical Tips

You are your most important asset. Saving your health saves you money. These money saving medical tips can help you do both.

• 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.
• 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.
• 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.).
• 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 medicines in your budget (like cough medicine, stool enhancers, pain relievers, etc.). Talk with your pharmacist.
• Discontinue unhealthy habits like smoking and excessive drinking. These items cost money and your health.
• If you become disabled, you can withdraw money from your IRA without paying the penalty and taxes. You may need this money to pay for present or future health costs. It may benefit you more while you are well enough to enjoy it. By the time retirement rolls around, you may not be around.
• Eat healthy small servings. Smaller portions of healthy food save your money and your health. Remember this when you eat out.
• Exercise at home. Save your money and time on that gym membership. You can reap the same and better benefits with a home exercise program with or without expensive exercise equipment. Turn on the TV and participate in the fitness shows that are best for you. Exercise DVDs and tapes are a one time expense that can be used again and again. Ride your bicycle, take a walk or jog in your neighborhood. It all counts.
• Continue your home exams like self breast exams, and self scrotal exams. You may detect something early. There is much controversy about the self breast exam, and it is no longer recommended by some. Common sense tells you that self detection is a smart thing to do.
• Save money for your health bank. As insurance companies and plans cover less, you will be paying for more for services and premiums. Keep a nest egg for health expenses.

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