As far as medicine goes, there is no better time to be alive than today. We are so close to solving some of the deadliest diseases and prolonging average human life even further. That being said, the healthcare system in the United States leaves a lot to be desired.
Expensive medical bills often have devastating effects on entire families. No one can predict medical emergencies, which is why you need to be prepared. Here are a few ways that will help you resolve your medical needs.
You Need Health Insurance
The way healthcare in the United States works is often a subject of many heated arguments. Hospitals are actually businesses that profit from providing services to those in need. Unlike other countries around the world where healthcare is free and guaranteed by the constitution, in the United States, you have to pay for any kind of treatment.
Such a system has its flaws, as you might imagine. One of the major flaws is the fact that you can be refused treatment if you are not insured and you can’t pay for your medical bills. Therefore, having health insurance is essential. Try to get the best plan you can afford as it could make all the difference in the world.
If you’ve ever seen an itemized hospital bill, you know that prices for material and services can often be insanely high. Overly inflated prices are how hospitals get their funding and your insurance protects you from taking the brunt of those expenses.
Staying informed is a great way to find solutions to your medical needs. Let’s use an example tied to how hospitals and insurance providers operate. Say you’ve broken your arm and went to your local hospital to get it fixed. After receiving treatment, you’re presented with an astronomical bill that goes beyond what you can pay or what your insurance policy covers.
In most situations like these you can shave off a massive chunk of the costs by simply asking the hospital to provide you with an itemized bill. In case you don’t have insurance or your insurance isn’t enough to cover even the reduced cost of your medical bills, there is a chance that you can work things out with the hospital. Call them and ask them for options.
It’s not uncommon for hospitals to write off a large portion of the bill. Experts from CPOE.org argue this type of information isn’t readily available, and recommend that you do research more research as necessary. There are tips and ways to circumvent what appear to be massive hurdles in the US healthcare system.
Know Your Prescription Medicine
Modern western medicine is all about prescription drugs. We’ve come to a point where most diseases have treatment options that usually come in the form of a single drug or a cocktail of drugs. The only problem with this scenario is the fact that some of these prescription drugs cost a lot. One way to save money on medicine is to understand how the pharmaceutical industry works.
Most of the drugs you see on the shelves at your local drug store are brand name drugs. Many of these have much cheaper generic alternatives. People are often turned off by generic medicine thinking that it’s not as good or counterfeit.
In reality, most generic drugs are identical to their brand-name counterparts. Knowing this bit of info can save you hundreds of dollars depending on your prescribed therapy.
Prevention is Key
Most medical conditions can be prevented. That being said, prevention often requires a complete change of direction when it comes to personal habits. What you eat and how much you eat can have a massive impact on your health a decade or two down the line. The same goes for physical activity or lack thereof.
Being aware of how your everyday decisions impact your long term health is the best way to prepare for the future and reduce your risks of developing a serious medical condition. Naturally, this doesn’t mean you should stop enjoying things in life. Instead, it’s all about finding a healthy balance between eating foods you love and maintaining a healthy lifestyle.