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| Credit Answers > Debt-Management-Articles-2009 > Health Care Home Run |
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Taking care of your health is one of the most important things you can do for yourself. Despite this fact, a recent survey by Kaiser Family Foundation revealed that approximately
53 percent of participants said they or a family member have cut back or indefinitely put off doctor visits and important health screenings due to costs. Delaying your health care to save money can
actually result in increased costs in the future if conditions worsen. Here are a few options to consider if the struggling economy or lack of insurance is keeping you away from your
doctor and debt settlement goals.
Communicate With Your Physician
Communicate thoroughly with your doctor. Your physician may be able to work with you on a payment plan. Let your physician know if you are experiencing financial issues that make it difficult to afford .
medication or necessary screenings. If you decide to make an appointment, MSNBC.com suggests preparing as much as possible before your visit. If you believe you are having health problems related to your
financial difficulties, advise your doctor. Discuss your medications. It is possible that generic alternatives are available and your doctor can let you know this.
Know Your Benefits
If you currently have insurance coverage, you may be able to receive certain types of care at minimal or no out-of-pocket cost. In addition, your health care provider may be able to work with you to
arrange a payment plan while you get the health care you need. If you have fears about losing your insurance, get necessary physicals and screenings done now. Many insurance plans cover routine
screenings. For more information, contact your insurance provider.
If You Don't Have Insurance
If you've lost your job and your health insurance, consider contacting clinics and hospitals to ask about financial assistance programs. Small-practice physicians may agree to work with you. Also,
consider checking with your local hospital or clinic regarding free screenings that might be of interest. If you have a chronic disease or condition, Patient Advocate Foundation (PAF), may be an
option to consider. PAT is a non-profit organization which provides professional case management services to Americans with debilitating illnesses. Visit
www.patientadvocate.org for more information
or call 800-532-5274.
Save On Co-Pays Or Additional Visits
Whether you have insurance or not, it might be wise to write down any important medical information and have your records in order prior to your appointment. Keep track of any changes in your health
that cause you concern and discuss these changes with your physician. Remember, discussing all medical issues could reduce the chances of a follow-up visit, saving you money. If you've had tests and
your doctor tells you there is no immediate need to return to the office, he/she might be willing to discuss your results over the phone.
Practice Good Health Habits
You can keep in mind that an apple a day might not solve everything but it shouldn't hurt either. Cnn.com reported in a recent article that worries about financial positions and the economy have given
people more of an incentive to eat healthy and exercise. Eating well, getting enough sleep and exercising are good habits that can help you keep healthy, clear your mind and reduce stress.
Cdc.gov advises Americans to check with their physician regarding an appropriate exercise plan.
American Academy of Dermatology: Go to aad.org to find a database of free skin cancer screenings around the country.
American Cancer Society: The organization's National Cancer Information Center at 800-227-2345 provides information about free screenings for various conditions.
Centers for Disease Control and Prevention: The federal agency at cdc.gov runs a national early detection program for breast and cervical cancers and provides free colon cancer screenings for
people 50 and over.
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