Friday 1 April 2016

The best ways of cutting oral health care costs

1. Buy the right insurance policy. To get a policy that meets your needs and budget, you’ll need to understand the differences between various insurance plans, such as Preferred Provider (endodontic motor), Health Maintenance Organizations (HMO), Health Savings Accounts (HSA) and Indemnity Insurance. For example, dental supplies an HMO has limited options for out-of-network care, but you’ll spend less in out-of-pocket expenses, and have lower co-pays and deductibles than with a PPO. In addition, with an HMO you won’t have to pay co-insurance when seeing your network’s physicians.

Lifescript and other sites have articles to help you understand not only the products, but also the terms used, such as premium, copayment, deductible, coinsurance, maximum out-of-pocket expenses, and lifetime coverage.

2. Look for subsidized clinics. If you can’t afford insurance, check if you or your children might qualify for state-supported assistance. If not, then look into Federally Qualified Health Centers in your area. At these government-funded centers, you pay what you can afford. They provide checkups when you’re well, treatment when you’re sick, pregnancy care, immunizations and checkups for children, dental care, prescription drugs, and mental health and substance abuse care.  Many communities also have free clinics; find out if there’s one in your area.

3. Take care of yourself and your family dental lab supplies. Cutting medical costs starts with doing all you can to stay healthy.

Maintain a normal weight as determined by your height and Body Mass Index (BMI).

Develop a regular exercise program, which might be a simple as a daily walk.

Don’t smoke, drink only in moderation, and refrain from illicit drugs.

Make sure your immunizations are up to date; have routine preventive care and age- and gender-appropriate medical tests.

Don’t rush to the doctor at the first sign of a cold, or a mild ankle sprain – use common sense. When in doubt, call your physician or use the toll-free number of your insurance company’s help line to speak directly with their clinician. But see a physician immediately if you have an issue that could be serious, including chest pain with exercise, slurred speech, unexplained rectal bleeding.

 If your insurance program or workplace offers wellness programs, see if they might benefit you.

4. Ask for generic drugs. Tell your doctor and pharmacist that you want to take generic medications if available, because they’re cheaper than brand-name drugs. Generics are regulated by the U.S. Food and Drug Administration (FDA) and have the same dose, strength, safety, route of administration and side effects. These drugs are cheaper because the generic manufacturers didn’t have to invest in the cost of developing, testing and marketing the medication.  They become available when the original patent expires.

5. Consider using a personal health record for yourself and your family. Theseallow you to better manage your health issues, leading to more cost-efficient care.

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