It’s no secret that healthcare costs can be overwhelming. Not only can you pay thousands in premiums for some surgeries, but you can see higher costs for medications that aren’t covered by your insurance. Having a firm grasp regarding your coverage can help mitigate potential prices, but other practices can more definitively resolve this.
Your health insurance providers will give you a list of specific doctors they cover for. While it may seem restrictive, this is a pretty nice tool that you can use in the future. Only patronizing doctors on this list is called “staying in-network.”
Choosing to follow the list will dramatically reduce your medical bills, and you’ll only have to take care of the co-pay. However, according to Lumity, there may be times that you have an emergency situation that requires you to visit a doctor that isn’t on your list. If you are unhappy with the selection your insurance covers, you may want to invest in a different healthcare plan.
Use Generic Drugs
Another way you can keep your medical costs low is by ignoring the premium drugs most doctors recommend. While they may sound like the safest option (since your doctor is prescribing them to you), these drugs also have alternative solutions that are better for your wallet and work just as well.
According to Xevant, generic drugs account for only 20 percent of prescription drug spending. This is a shame. So much of the pain people have surrounding their cost of living comes from the cost of name-brand drugs. If you are worried about a certain medication, ask your doctor if there are alternatives that work well. You might save yourself a ton of money.
Live a Healthy Lifestyle
One of the best ways that you can alleviate the burden of health care costs in the future is by living healthy today. While this certainly isn’t a guarantee—some people who are diagnosed with a disease lived healthy lives—you can significantly reduce your chances by eating the right foods and exercising.
Generally speaking, according to WellSteps, these choices can pay off big time in the future. Avoid drinking too much alcohol and soda, eat foods that are rich in vitamins and minerals, and do at least thirty minutes of physical exercise a day. Your waistline will slim down and you will feel better about yourself.
All of these steps can keep your healthcare costs reasonable. While there are exceptions, if you start with some of these guidelines you will probably find something that will work.
Read this next: What You Should Look for When Choosing a Healthcare Provider