Content Overview 
- Summary
- When You Need Routine Medical Care
- When You Receive A Medical Bill
- When You Have A Hospital Bill
- When You Have To Pay A Doctor
- When You Need Lab Tests
- When You Need Diagnostic Tests Such As X-Rays, MRIs or Mammograms
- When You Need A Medical Device Or Home Equipment
- When You Receive A Medical Treatment
- When Choosing A Health Insurance Policy
- When Using A Health Insurance Policy
- When You Need Medical Supplies
- Tax Advantage Plans Such As A Health Savings Account Or A Flexible Spending Account
- If You Get Paid On An Hourly Basis
Health Care: How To Save Money
When You Need Lab Tests
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There is not really much negotiating with respect to fees for lab tests. With the exception of the most basic testing (such as urine dip stick or glucose blood strips), the doctor generally refers lab tests to commercial labs he or she works with regularly.
The best way to save money with respect to lab tests is to avoid unnecessary tests. When the doctor recommends a test, ask whether the test is necessary -- particularly if you had the same test recently. Many doctors practice "defensive medicine" (they order more tests than necessary in order to avoid law suits), or because it is local custom.
If the test is necessary,consider asking:
- Are (inexpensive) do-it-yourself tests available for simple procedures?
- If not, is there a less expensive alternative?
- Does it matter where you have the test done? Some doctors feel strongly that a particular test be done by a facility or specialist they know and trust. If no particular facility or specialist is required, you can shop around for the best price.
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