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 Choosing A Health Insurance Policy
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If money is an overriding concern, in addition to the premiums, look at how much you will have to pay during the year even with the coverage. For example, for a deductible, co-pays, or medications. A low premium, but excessively high deductible or high co-pays when you already have a health history may not make financial sense.
If other people are covered on your health insurance, think about the economics for all the people covered -- not just for yourself.
Instead of looking solely at the amount of the premium consider the factors that are important to you. See How To Choose A Health Insurance Policy.
You may trade freedom, such as choice of doctors or hospital, for a lower premium, but it's a fair trade if money is a concern. Just be sure that providers in the plan have a lot of experience with your health condition -- and great quality doctors and facilities such as hospitals. For example, with a PPO you'll be able to see specialists without having to get prior approval as well as out-of-network doctors. However, if you go out of network you'll have to pay a deductible and higher co-payments. This flexibility comes with higher premiums than an HMO.
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