Tips for Healthcare Savings: What Every Person Should Know
Are you interested in saving on your health care needs? Do you occasionally need a prescription drug, only to have to do without because you can’t afford it? How many times, just this year alone, have you looked at your smile wishing you could go to the dentist?
Not only can you save on these needs, but you can also save on vision and hearing needs as well. With the healthcare savings tips below, you can take care of yourself and family members without going broke.
Save at the Pharmacy
There are several ways to save money at the pharmacy. If you own a business, both over-the-counter and prescription medications are tax deductible. When you file taxes, you can use medical bills as leverage to save on your tax bill. This adds up quickly when buying expensive prescription drugs.
There are also special discount cards designed specifically to save you dollars at the pharmacy. With these cards, you can get antibiotics prescribed by a physician at discounted rates and short-term medications such as painkillers, which you shouldn’t have to do without when you need them. Also with many discount prescription drug cards and pharmacy plans, you can visit almost any major pharmacy chain.
Another way to save on prescription drugs is to always ask for a “generic” brand. Generic brands can be substituted for name brand prescription drugs if the physician permits it. Generic drugs are often less expensive but have the same healing properties. There are also herbal remedies that can sometimes be substituted for prescription medications. Check with your doctor and pharmacist to see if this is a possible solution.
Saving at the Dentist
You can also realize savings on your annual dental cleaning as well as root canals. Getting a crown can really make you dig deep into your purse. Luckily there are health savings plans that can help you with these and other orthodontia needs so your beautiful smile can be a reality instead of just a wish. Just as medical doctor bills and prescription drugs, dental bills are also tax deductible if you own a business.
There are also independent dental insurance plans you can purchase if your current insurance company does not offer a dental plan. You can use the Internet to research plans that are available in your state. Though these plans often have a very limited maximum payout per year, they can be helpful in saving on individual dentist bills if you go regularly.
Savings on Vision Care
Does a saving of up to 60% on vision care interest you? It should, knowing that a pair of eyeglasses just five years ago was well over $350! Not to mention the average eye exam at around $75. Yes, vision care can get quite expensive these days. You don’t have to put off going to the eye doctor any longer just because you can’t afford it. Most people do put it off for that very reason.
Healthcare savings plans and discount cards are also available for vision care. And yes, this too is tax deductible for business owners. Another way to realize savings on eyeglasses is to keep your same frames when getting a new prescription. The new lens can be placed in your old frames so you won’t have to pay for new frames.
With these savings, you don’t have to feel guilty for taking care of your much-needed eyesight any longer.
Savings on Hearing Care
That old saying, “Nothing lasts forever” can be so true. It seems that the hearing is usually one of the first senses to start fading. You shouldn’t have to be embarrassed when the time comes that a hearing aid is needed to boost your hearing. It’s all a part of life. Whether you are more interested in ordering products through the mail or visiting a local hearing aid center near you, there are healthcare savings plans to help you save money on hearing products and exams.
Use these tips to realize tremendous savings on your health needs and live your life without worry of outrageous medical expenses!