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4 Ways to Save on Health Care Expenses

by Notorious Spinks on 04.19.2016

how-to-save-on-health-insurance

In 2013, the United States spent $2.9 trillion on health care. Whew! That’s some major bank and statistics such as this further the conversation about health care spending and if it’s really worth it. The answer you’ll get will always vary based on who you ask and when you’re asking them. You see, I’ve learned that our answers are always relative to where we are in life. For instance, a 20-year-old would probably laugh at the idea of paying hundreds of dollars per month on health insurance, but that all changes if he is diagnosed with leukemia and needs life-saving treatments. Yep, that’s when those answers start to change and we start to see life differently.

Let’s face it. Health insurance is a must if we’re looking to live a healthy and fulfilled life. There’s really no getting around it because like car insurance, we never know when we’ll actually have to use it. It’s better to be safe than sorry so I’ve gathered four tips to help you save on your insurance plans and premiums.

Choose a plan that realistic and appropriate for your family. When choosing a health care plan, it’s important to do your research. Then research some more. You should take into account your current health state and any known family history. Be honest here and realistic. I know you want to save money, but being realistic will really save you more money in the long run.

Choose Preventive Care. I know we’ve resorted to a life of sick care versus health care in United States, but you don’t have to follow suit. Instead of waiting until you’re deathly ill, get your regular check-ups and visit the doctor when something isn’t right. You know your body better than any physician, so pay attention to your body, listen to it and seek professional care when needed. Of the $2.9 trillion spent on health care, the biggest chunk was spent on hospital care at a whopping $936.9 billion.

Bonus Tip: Keep a health journal. Use this journal (digital or analog) to track changes in how you feel. If needed, use these entries to consult with your doctor about changes with your health. Accurate information helps them to better help you. Be intentional when it comes to listening to your body…You only get one so love it.

Eat Healthy. I know you’re tired of reading this tip, but it’s important. You are what you eat, so eat well to live well. Since I’ve been diagnosed with PCOS, a healthy diet for me is low carb and high fat. I’ve sent 60lbs to fat cemetery since April/May 2015, so it works for me. Get with your physician and choose a healthy diet for you based on your health needs.

Laugh. Often. and Loudly. I know things happen and we get pulled into life’s web, but remember to laugh. Turn on your favorite Netflix comedy or phone a friend. But, just laugh out loud regularly. I promise it will make you feel better.

In a perfect world, we would be free of disease and sickness. No worries. But, that’s not our reality so we have to learn to perfect the lives we have by taking care of ourselves. For more healthy living tips and your chance to win some awesome prizes, head over and check out UnitedHealthcare’s “We Dare You” campaign.

Take one or all of the dares listed below and you could win big:

1. Take our quiz on how to save on health care services
2. Watch our quick video on how to avoid cost surprises
3. Match the health care cost terms to their definitions in our concentration game

Grand prize for each dare is a $400 gift card with weekly $25 gift cards being given out as well.

Disclaimer: This is a sponsored post in partnership with UnitedHealthcare. All opinions are my own.

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  • Kristen Dann

    I always get anxious when it comes time to picking a new plan. These are really great tips to make it a little less stressful!

  • I sometimes wonder about getting health insurance, it’s not something I actually “need” (thank you NHS) but I can see the upside of sometimes going private. x

  • These are great tips! We chose a very different plan than we normally do this year because we knew we’d have extra expenses so it made sense to spend more on insurance to save more in the long run.

  • Miles L.

    I love all your tips especially about laughing. These tips will really help us save on our health care.

  • These are great tips to save on health care, some I never thought of. Glad you shared this as health care can be so expensive for many families!

  • MJ

    All perfect tips. Healthcare costs are so ridiculous. Even with having insurance, what we pay out of pocket is crazy. Laughing often, exercise and eating well are the best tips!

  • Health care expenses are extraordinarily high! These are great tips to try to save on health care costs. I try to make smart food choices to be as healthy as possible.

  • This is good advice. Health care costs can really put you in a bad spot. It’s good to be proactive.

  • I am grateful that I have free health care but still need to work on preventative maintenance. Eating healthy and laughing is key.

  • Jeanine @ sixtimemommy.com

    I’m so glad I don’t have to worry about this living in Canada. My friends in the US tell me all the time how they are dealing with medical bills etc. I don’t know how I’d do it!

  • J-Man and MillerBug

    I think you’re right the healthier you are the easier it is to fight off stuff. I’m trying to do a little bit more low-carb but I need to learn more about it so that I do it correctly.

  • Pam W

    Preventative care is so important. My son in law works in a hospital and he sees so many things that could have been prevented by seeing a primary care doctor.

  • Shirley Wood

    That old adage is still true, “An ounce of prevention is worth a pound of cure”, isn’t it. If we take care of our bodies, they will take care of us. Congrats on losing 60 lbs. because that is awesome!

  • Erin Shebish

    Oh my gosh, yes on the plan that’s appropriate! We made that mistake last year and it was awful!

  • These are such valid and important points–preventative care and enjoying all that life has to offer before you are sick is such a great way to live and stay healthy. Off to do some belly laughs with my boys!

  • Laughter is the key to the soul. I laugh loud and I laugh often. I’m sure that is what has kept me youthful. I’ve been working out on a regular basis and I’m certainly drinking a lot of water.

    • There is something amazing about laughing isn’t there – the feeling is wonderful. x

  • Alli Smith

    Laughter is the best medicine! I’m all for preventative care and taking care of our bodies by eating right and exercising.

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