Times are tough and look as if they may get tougher. We’re all trying to stretch a dollar. But some corners you cut may endanger your health and that can be expensive in the long run. Not to mention sickening.
But do take a good close look at your medications with your doctor. You may be able to save money and improve your care in the bargain. Maybe you’ve been prescribed redundant medications by several doctors, or were given a temporary prescription that you don’t need to take any more.
So bring your primary doctor a list of all your drugs and supplements, or better yet, bring them all into the office in a bag. Then ask if any can be discontinued … or if there are cheaper but effective alternatives... or if it’s safe to
split your pills.
Don’t Fill Up on Starch and SugarIt's tempting to cut food bills by stuffing yourself with cheap white bread, white rice, sugar and $1 fast-food burgers. But junk food makes you feel lousy and is expensive in the long run because it promotes obesity and disease.
Good food doesn't have to cost a lot. Check out ethnic markets and produce stands, where some vegetables and fruits cost half of what supermarkets charge. Eat more beans (they really are good for your heart!). Oatmeal is cheaper and more nutritious than packaged cereals. Forget filet mignon, but try a few slices of flank steak on a bed of sautéed greens. Eggs have gone up in the past year but remain a filling nutritional bargain.
Cook together as a family to eat better and get closer. Pack your lunch. Drink tap water instead of overpriced bottled water. When you do dine out, split an entree. You don't need to overeat to enjoy yourself. And you'll save money.
Don’t Hole Up and Stop Exercising - Do keep on trucking
When you're feeling blue or anxious, you probably feel like curling up on the couch or losing yourself in a TV show or video game. But now it's more important than ever that you take part in regular physical activity.
Motion is good for your emotions. Exercise releases natural endorphins that lift your mood and improve your outlook. It also helps prevent heart disease, diabetes, several cancers, osteoporosis and other diseases.
Don’t Skip Recommended Checkups and Tests - Do ask what is necessary
Medical tests that catch a problem early can avert a catastrophic and catastrophically expensive health problem. Yet sometimes they find something that doesn't need to be addressed but gets treated anyway because of a patient's anxiety. And sometimes doctors practice "defensive medicine" and order unnecessary tests to get by in a lawsuit-prone society.
Ask your doctor how often you need a checkup – some no longer recommend one every year. When your doctor orders a diagnostic test or treatment, ask if it is necessary or just a precaution and what may result if you decline. As for recommended screening tests, check out this
lifetime guide.
Don’t Act Out - Do manage stressRemember the Goofus and Gallant comic strips in Highlights magazine? Here's how an adult Goofus would react to financial stress: Fight with the family, booze, pig out, toke up, hit the racetrack, go on a spending binge and generally freak out.
But here's how a grown-up Gallant would deal: Stay informed but calm, review finances, make arrangements with creditors, set budgets, cut spending, take comfort in family and friends, exercise and get professional help if needed.
Don't be a Goofus: Find out more about how to
cope with financial stress.
Don’t Skip Therapy or Avoid Counseling - Do reach out for help
The stress caused by a sour economy increases the need for mental health services. Yet many patients cut back during hard times, when they're most vulnerable.
Instead, explore your options. Try negotiating a reduced fee with your therapist or get a referral, or schedule a shorter session if necessary. Check out this
list of mental health resources, complete with hotlines, and more tips on
finding a therapist.
By the way, if the massive bailout of Wall Street firms made your blood boil and teeth gnash, here's one thing you can take comfort in: The legislation included a long-sought requirement for many health insurers to cover mental illnesses like other diseases. This means, for example, that if they charge a $15 co-pay for an visit to your heart doctor, they can't charge more than a $15 co-pay for a visit to your therapist for a disorder covered by the plan.
Don’t Assume You Can’t Afford Health Care - Do investigate resources
The high cost of health care is leaving millions of people out in the cold, even those who have medical insurance but struggle with deductibles or co-payments. But don't give up. You have a surprising number of options.
A growing number of drug companies and pharmacies are offering discounted and sometimes even free medications. Many eligible people fail to take advantage of the government programs that cover millions of Americans.
The solution: Scope out these
70 resources for cutting your healthcare costs.