REDUCE SPENDING:

MEDICAL

1. Don't skip regular medical and dental check-ups. Preventative measures are usually less expensive in the long run.
   
   
2. Ask your doctor to prescribe generic drugs. Also, shop by phone for best price before buying a prescription. Ask your doctor for sample prescriptions.
   
   
3. Follow directions exactly when taking prescriptions or else your drug may not work. Also store drugs in a dry place, not the bathroom.
   
   
4. Join an HMO.
   
   
5. Investigate services offered by the health department or immunization clinics. Sometimes walk-in clinics are less expensive than emergency rooms.
   
   
6. Read your health insurance policy so that you understand restrictions and cost containment policies.
   
   
7. Check your insurance and your spouse's plan for duplicate coverage.
   
   
8. Get a second opinion to prevent unneeded procedures. Send test results from tests already taken to avoid duplicate charges.
   
   
9. Schedule surgeries early in the week to avoid weekend charges.
   
   
10. Review your hospital bill for errors. Watch for overcharges, billing fees, duplicate charges, or charges for services you didn't have.