Medical care continues to rise at a fast rate. The current health care system is complicated and honeycombed with excessive administrative expenses, mistakes, inefficiencies and waste. The information below may help you control or reduce your costs when it comes to out of pocket expenses.

  1. Review and discuss medical bills that appear excessive
  2. Communicate with a medical bill administrator for possible errors
  3. Seek a tax break if medical bills exceed 7.5% of your Adjusted Gross Income
  4. Review Earned Income Credit for additional tax breaks
  5. Self-Employed individuals can deduct 100% of their health care costs
  6. Investigate Children’s Health Insurance Program for families
  7. Utilize 24-hour nurse-on-call services for self-employed individuals
  8. Use Emergi-Centers for non emergency issues
  9. Recover at home after surgery
  10. Look for non-profit vs. investor owned for profit hospitals for affordable care
  11. Search for programs for low income families such as the Hill-Burton Program
  12. Be informed as to when to stay home to treat your pain on your own
  13. Check for medical centers in your area that offer free screenings
  14. Ask your new medical practitioner about their charges before appointments
  15. Get a second opinion by contacting
  16. Don’t pay twice for a second opinion; bring a copy of your medical records
  17. Bring your previous dental records to your new dentist to avoid duplicate costs
  18. Familiarize yourself with your insurance plan
  19. Find a hospital that offers incentives
  20. Order your prescription drugs in quantity by mail or phone
  21. Ask your physician to prescribe generic drugs
  22. Request drug samples from your doctor to test for effectiveness before buying
  23. Take only the drugs you really need to reduce cost
  24. Purchase over-the-counter medication to alleviate minor discomfort
  25. Buy inexpensive supplements
  26. Purchase home test kits
  27. Know your Medicare benefits
  28. Find a doctor that accepts Medicare
  29. Question your Medicare reimbursements
  30. Seek medical equipment discounts
  31. Share housing with other seniors instead of a nursing home
  32. Try senior day care
  33. Self-employed individuals should look into a group insurance plan
  34. Choose a higher insurance deductible
  35. Pay premiums annually
  36. Review your policy annually
  37. Ask a professional about additional cancer insurance
  38. Understand your benefits for catastrophic illness
  39. Know about filing insurance claims
  40. Educate yourself about health issues
  41. Find free health advice at
  42. Call toll-free health care hotlines