Customer Service, Tips

Keeping A Close Eye On Those Medical Bills

I recently had to have a kidney stone removed.  The hospital estimated the cost of the procedure, and offered me a 20% discount – if I paid my portion on the day of the procedure.  I paid the estimated amount and had the procedure. Today, I received the actual explanation of benefits from my insurance company.  I am happy to report that my portion of the cost of the procedure is several hundred dollars less than the amount I paid to the hospital.  When estimating my portion, the hospital included my full deductible, unaware that, due to several doctors’ visits prior to the procedure, I had already met most of my deductible. I called the hospital and spoke to the…

Continue Reading
Budget, Money Management

What Works For Me – Budget Categories

There are dozens of budgeting products on the market.  I’m partial to the You Need A Budget system, but there are other great systems available.  Find a system that works with you, fine tune it to meet your needs, and then use your budget as a tool. After selecting a budgeting system, it’s important to create specific budget categories.  When I first started budgeting, I had way too many categories.  I tried to be too specific.  Instead of managing my money, I just ended up spending time working on my budget.  If you have too many (or too few) categories, you might grow frustrated with your budget, and you might simply ditch it altogether. What Works For Me – Budget…

Continue Reading
Resources

$4 And $10 Generic Prescriptions From Walmart, Kroger, and Target

Two weeks ago, I had a procedure to remove a kidney stone.  After the procedure, my doctor gave me a prescription for an antibiotic.  I had my local pharmacist fill the prescription.  I am feeling much better and I am happy to be kidney stone-free. Click here to view and updated list of Free and Discounted Prescription Programs. The antibiotic that I was prescribed is covered by our health care plan and was available at our local pharmacy for a discounted price.  While I mentioned my prescription to a friend, he told me that he gets most of his prescriptions through Walmart’s discounted prescription program.  Interested, I did some searching, and found that Walmart, Target, and Kroger all offer discounted…

Continue Reading