I’m a doctor and here’s the #1 trick to lowering medical bills – Eat This Not That
Getting sick shouldn’t be so stressful financially, but it is for many Americans. It’s bad enough not to feel well, but receiving an outrageously high bill after a trip to the hospital or doctor makes it worse. The United States has been dealing with rising health care costs and insurance premiums for years and it doesn’t look like the situation is improving any time soon. In fact, “half of Americans now have medical debt, up from 46% in 2020, according to new data from Debt.com, a consumer financial education company,”Forbes reports. “More than half (57%) of Americans with medical debt owe at least $1,000, due to diagnostic tests, hospitalizations and emergency room visits, the survey found.” To find out how to save on healthcare costs, Eat This, Not That! Health spoke with Dr. Tomi Mitchell, a board-certified family physician with Holistic Wellness Strategies who revealed his tips for saving on medical bills. Read on and to ensure your health and the health of others, don’t miss these Sure signs you’ve already had COVID.
According to Dr. Mitchell, “There are many reasons for high medical bills, but the main reason is that health care costs have been rising much faster than inflation for many years. National health spending is projected to grow at an average annual rate of 5.4% for 2019-28 and reach $6.2 trillion by 2028, and this increased spending will hit consumers’ pockets.
“Sometimes it’s beneficial to pay cash for services,” says Dr. Mitchell. “The consumer must meet a specific threshold/deductible for certain plans until their insurance kicks in. Many providers would happily avoid ‘middlemen’ and be paid at the point of service for their services. They will often discount those who are There is a debate about the ethics of having different prices for services paid for by insurance and paid for in cash, but that is only the reality of the world we live in. The big business trend is to require providers to charge more for their services to cover the increased cost of health insurance. This will eventually lead to higher prices for the consumer. The only way to avoid these price increases is to pay cash for services. This may seem like an inconvenience, but it could be your best option in the long run.”
Dr. Mitchell says, “Frankly, the majority of diseases are somehow preventable. Eliminate these unhealthy habits such as smoking, excessive alcohol consumption and a sedentary lifestyle. All of this could lead to much higher medical bills in the long run. If you exercise daily, reduce stress, eat a nutritious balanced diet, avoid smoking, alcohol and drugs could significantly reduce your risk of a massive heart attack or cancer diagnosis, would you make choices of healthier lives? and you don’t want to be in a decision where you have to decide whether to help your child go to college or pay medical bills. Making healthy lifestyle choices is not only crucial for our long-term health, but it’s also essential for our day-to-day lives. When we feel good physically, it shows in our mood and our interactions with others. We are more productive at work, have more patience with those around us, and feel happier. a long and healthy life should be everyone’s goal; however, making the necessary changes can be daunting. There are many small ways to improve our overall health without making big commitments. Taking a break every hour to walk around the office or stretch can help reduce stress levels and alert us. Eating smaller meals throughout the day instead of three large meals will help regulate blood sugar.”
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According to Dr. Mitchell, “Get organized and be an informed healthcare consumer. This includes understanding your insurance plan, what services are covered/not covered, and becoming familiar with your plan’s provider network. It is It is also helpful to understand standard medical billing so that you can reduce the risk of unexpected bills. For example, “copayment” is the amount you pay for a service at the time of the visit, “deductible” is the amount you have to pay each year before your insurance company starts reimbursing you, and “co-insurance” is the percentage of costs you are responsible for after reaching your deductible. weigh the difference between a Preferred Provider Organization (PP0) and a Health Maintenance Organization (HMO).When it comes to health insurance, two types should be considered.A PPO provides some coverage outside of your network, which may not always work in the best interest of patients as they are required to pay high fees. er, monthly premiums with this type of plan, but if you want more flexibility and choice, then an HMO is perfect! This is an area where you should research thoroughly and get sound advice before making a decision.”
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Dr. Mitchell explains, “Understanding the options available will allow you to make a more informed decision when purchasing health insurance. It is essential not only to research what is out there, but also to compare insurance plans with other plans. The costs should be clear in your mind and cannot be construed as expensive simply because one method may seem expensive compared to another option which might have lower premiums or better benefit/disease ratios. You have options when it comes to the healthcare system. accept your doctor’s first opinion; you can go elsewhere and find one that will work better for you – not just because it’s more convenient or has a practice nearby! can offer valuable insight into what would help relieve some symptoms while keeping others at bay; maybe this new clinic has an innovative treatment plan specially tailored to yours? ing is about taking charge, so ultimately we make people happier when something affects both mind AND body.”
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Dr. Mitchell reminds us, “To err is human, but seriously, who wants to pay more for their health care bill than they should be. I know that is not the case! Healthcare professionals are people too, and sometimes they make mistakes. Sometimes the wrong CPT (Current Procedures Technology) code is given to an insurance company, or dates are mixed up when in transit between the offices of the provider/medical facilities where the care was provided (the patient). This can also happen when submitting invoices, especially if more than one person is doing it by hand. But, seriously, have you read any of the caregiver’s handwriting? While you may not like paying these bills, it’s essential to get through them as soon as possible. You don’t want to be stuck with an unfair statement, but because you waited too long to fix it, you are now responsible for it. some providers are willing and able to help you with a payment option.” And to protect your life and the lives of others, do not visit any of these 35 places where you are most likely to catch COVID.