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Secrets of Paying for Health Care Unmasked (Part 2)

Posted Oct 02 2008 5:36pm

Here are more ways to pay for needed health care services:

Some providers will agree to barter services. Alternative providers are most open to this.

Insurance companies are covering a broader range of services than they have in the past. Some even cover the services of Certified Nutrition Specialists, Acupuncturists, and Naturopaths.

Research centers at universities often conduct clinical trials. Most participants receive free treatment, which can include travel and lodging costs, and usually receive monetary compensation as well.

The provider may participate in a discount plan. Prudent Choice is just one reputable option.

You can order suggested supplements at discount prices from another source.Needs.com, an international mail-order resource based in New York, sells health products at a substantial discount, promotes monthly specials, and offers free shipping for all orders over a certain price.

If the provider prescribes medication, ask about generic versions, samples, or free or reduced cost prescription plans. Generics are as effective as their brand name counterparts in most cases. Pharmaceutical companies also distribute samples of expensive brand name medications to doctor’s offices and provide their top-selling products to low-income patients through prescription plans. Seniors are eligible for Medicare prescription coverage.

Supplemental health insurance policies can cover gaps in your coverage. They can be used to pay deductibles and co-payments. They also may cover lost income and living expenses.

The provider may agree to discount a procedure that is medically necessary, whether or not you have insurance coverage or enough income. Contact the billing office and explain your situation ahead of time, if possible. If not, do so as soon as possible after the procedure.

Trusted friends, family members, co-workers, or members of your household of faith may be able to help. You may find this option difficult if you haven’t developed a support network, but you might be surprised.

You never know how God will bless you. Whether or not you believe in God, pray for wisdom and help, believe, and watch Him come through. He loves you, and He wants to provide your needs.

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