Comments on: 4 Habits for Saving Money on Routine Family Medical Care

By: personal care products

personal care products — Mon, 24 Aug 2009 11:17:56 +0000

Very good post, thanks for the nice information.

By: Adam

Adam — Fri, 17 Jul 2009 19:48:07 +0000

Everyone has to watch out for themselves. No-one else is going to take care of you. Even folks with insurance should pay attention. If you’ve got a $10 co-pay on a generic ask what the cash price is because it might be less than $10!! I found a prescription discount card to help with my meds. It’s at http://www.rxdrugcard.com. They tell you right there on the website what you’ll be paying if you use their card. And the membership fee is only $4.95 a month for the whole family. Don’t pay more than you need to. Do some research. It’s YOUR money.

By: Dustin@sageprofit.com

Dustin@sageprofit.com — Wed, 15 Apr 2009 21:06:21 +0000

I personally believe many people are spending too much on health insurance. Most people don’t expect their car insurance to cover gas and oil changes, so why should we expect our health insurance to cover routine doctors visits?

My family moved from a employer-provided plan in which we paid extra for spouse and kids coverage, to a high-deductible, low-premium plan and now we pay routine medical expenses out of pocket.

I outline my thoughts in a post here (http://sageprofit.com/getting-the-best-deal-on-health-insurance) if you’re interested.

By: The Simple Dollar » The Simple Dollar Weekly Roundup: Baseball Season Edition

Wed, 15 Apr 2009 14:00:51 +0000

[...] 4 Habits for Saving Money on Routine Family Medical Care Excellent advice for those with limited health care. (@ frugal dad) [...]

By: Leah Ingram

Leah Ingram — Sat, 11 Apr 2009 13:30:24 +0000

One of the ways that we live as frugally as possible is paying our FSA to the max (with pre tax dollars) and then using it to pay for medical expenses insurance doesn’t cover, like my kids’ braces.

FYI, I recently wrote a post on how regular “checkups” can save you money–another way to look at the whole family medical care topic: http://suddenlyfrugal.wordpress.com/2009/01/27/why-regular-checkups-save-you-money/

Leah

By: Corrie @ "Cents"able Momma

Corrie @ "Cents"able Momma — Fri, 10 Apr 2009 14:26:02 +0000

Great article! Wouldn’t the expense for day camp fall under a Dependent Care Flexible Spending Account rather than the medical FSA that is referred to throughout the rest of the article?

By: Lisa

Lisa — Fri, 10 Apr 2009 14:21:33 +0000

Really, really go over your EOBs! I have dual insurance with a secondary and found out my doc had been mis-billing me for 10 years! I figured it out on a recent bill, and had to really educate myself as to how the bills were supposed to be applied through the secondary insurance. I insisted on an audit of my account which they are currently doing.

By: John

John — Fri, 10 Apr 2009 12:55:04 +0000

I definitely advocate reading your EOBs. With my insurance provider, I get them as they come in throughout the month, so I can spot the errors faster. I have found a lot of errors over the past few years and if I didn’t take the time to read them, I would have never found them.

By: marci

marci — Fri, 10 Apr 2009 12:54:18 +0000

Will watch the billings more carefully, but aside from that, the rest of these options are not available to us in rural-land We have no choice on the policy options, no FSA’s available, and one Dr. office.

What we do have tho is a long-term relationship (30 years) with the family Dr… only a phone call is needed to the Dr’s office for a re-occurring problem such as the earache or an infection, and a prescription will be called in to the pharmacy without a dr.’s appt…. that sure saves us the cost of the office visit – plus a lot of time.

By: DDFD at DivorcedDadFrugalDad

DDFD at DivorcedDadFrugalDad — Fri, 10 Apr 2009 12:11:55 +0000

Good post! I have reviewed the materials and honestly still can claim solid knowledge of all the benefits . . .