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Tips on how to reduce your medical expenses

There is no such thing as a free lunch. In addition, there is no free medication. At some point, all of us will need medical treatment. Whether for simple colds or serious illnesses, these things would hurt us and burn our pockets.

According to a recent study, Americans spend more money on medical expenses than any other nationality in the world. As prices increase and life becomes more difficult, saving some money from your medical expenses will definitely benefit you.

Here are some practical tips on how to reduce your medical costs:

Take care of your health

Prevention is always better than cure. Being fit and healthy seems to be a 21st century fashion and would not hurt us if we joined the car. An analysis of the 1987 National Medical Expenditure Survey revealed that people who are more active spend less on medical expenses than those who live lethargic lives. The analysis compared the benefit of being physically active to $ 330 (value in 1987 dollars) per person.

For smokers and drinkers, reducing the consumption of cigarettes and alcohol is an option that may be feasible. Not only will it reduce future medical costs, it will also reduce the direct costs of purchasing these products.

Go generic

Taking generic medications is the way to go. Patents are used by manufacturers to establish a price in order to recover their costs in the development of their products. But these patents do not last forever and, sooner or later, generic versions of these drugs will be available. Generic drugs are basically the same as branded drugs in terms of ingredients and quality.

Going generic can save you a lot of money. According to the Chain Drug Stores Association, generic drugs are priced at $ 24 on average in 2004, while the average price of branded drugs is $ 96.

Deal with your doctor

Take some time to discuss things with your doctor, as this can also save you a lot of money. Do not be shy to ask about the possible alternatives you can take. Ask him if there is a generic drug he can take if he prescribes a brand-name drug.

If you are going to have surgery, try to plan wisely, in order to avoid staying in the hospital longer. And most importantly, do what they tell you. If he asks you to leave your vice, leave it. If he tells you to be active, then you better be!

Medical expenses can really dig a hole in your pocket. Try to be wise in your medical transactions and, most importantly, take care of your health.

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