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Tips to reduce your health care expenses

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(BPT) - Health care costs are in the news all the time. You hear about them at work and when you’re with friends and family. The comments are always the same. Health care is getting more and more expensive and it seems to be outpacing the money you make.

Fortunately you’re not helpless when it comes to controlling your health care costs. While some treatments simply have to be done in order to support your health, there are other things you can do to protect yourself and your loved ones while looking out for your pocketbook at the same time.

Employ these five tips today and you’ll enjoy the care you need without breaking your budget.

* Focus on your health first. When it comes to controlling your health care expenses, you actually have more control than you think – a lot more. The decisions you make every day – what to eat, whether or not to smoke, how much to exercise – all play a dramatic role in your overall health. So take charge, dine on fruits and vegetables, take a run and kick that nicotine habit for good. Each of these little decisions will benefit your health and your budget.

* Be decisive with your deductible. Your insurance deductible is a fixed cost and one you’ll pay every single year before receiving network coverage support. But once it's paid, you’ll enjoy the full coverage of your plan. Thus, if you have another treatment or procedure coming up, don’t put it off any longer than you have to. Undergoing additional procedures in the same year means you get more coverage while paying only one deductible. Many health plans also cover preventive services in full, without going against a deductible.

* Be smart about where you go for care. While health care facilities across the country are all capable of delivering compassionate, quality care, they are not all priced the same. According to a Blue Cross Blue Shield, The Health of America Report, 29.8 percent of emergency room visits were for conditions that could have been treated in retail clinics. The same research also found consumers saved money on out-of-pocket costs by visiting retail clinics for routine services when compared to doctor’s offices, and the visits were much more inexpensive than receiving the same treatment in the emergency room, according to the Blue Cross Blue Shield Association.

* Ask questions. Your provider may know best, but it's all about your health. Don’t be afraid to ask questions, not only about the procedure itself, but about the price of the procedure and if there is anything you can do to reduce the expense. Sometimes there may be something you can do on your own that supports your health and lessens your costs at the same time.

* Embrace an HSA. Health Savings Accounts (HSAs) provide a cost-effective way for people who don’t use a lot of health care services, to access care and pay for services up until they reach their deductible. Plus the money you save in your HSA can be used to pay for co-insurance payments or co-pays at your doctor’s office, and it's also an eligible tax write off, opening the door to further savings. There are ways you can manage your health care spending. Follow the tips above and be an active participant in your role as a health care consumer and you'll be surprised at how much you save. To learn more about the The Health of America Report, visit www.bcbs.com/healthofamerica.

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