Dental schools may offer free or low-cost dental services from students.
Certain clinics may offer lower-cost medical care than regular physicians.
A general practitioner or primary care physician (often known as a "family doctor") can handle most of your medical needs and can refer you to a (more expensive) specialist when needed.
Sometimes you can negotiate the cost of your treatment before receiving it. And you may ask the doctor not to order any tests that aren't really needed. (Because of malpractice lawsuits, doctors in the United States are often forced to practice "preventative medicine" to lessen the chances of being sued.)
Physicians get free drug samples from the drug manufacturers. If you are prescribed a certain drug, ask the doctor if any free samples of that drug are available.
Ask your doctor to prescribe generic drugs if they are available.
Rx Outreach(r) has certain drugs available for low-income individuals and families. You purchase a 180-day or 90-day supply at a time.
If you are on Medicare Part A or Part B, you may want prescription drug coverage under Part D. Go to the Join the Medicare Part D prescription drug program topic.
Some people are choosing alternative medical treatment, either because it is less expensive or because traditional medical treatment does not seem to help them.
But it does no good to save money if the alternative medical treatment isn't safe or doesn't take care of your problem. I recommend that you carefully investigate any alternative medical treatment before using it.
If you are on Medicare Part A or Part B, you may want prescription drug coverage under Part D. This is where an insurance company pays for part of your prescription drugs. The premiums for this insurance are deducted from your monthly Medicare benefits. The rules are somewhat complicated (well naturally, it's a U.S. government program, after all).
You can get more information at the Medicare website. You can also telephone Medicare at 1-800-633-4227 to talk about the program or request the current Medicare & You handbook.
During the applicable enrollment period, you apply for this program and select your insurance provider. In general this enrollment period is between November 15 and December 31 each year for new applicants. It is between January 1 and March 31 of each year for existing members of the program.
You want an insurance provider that covers the prescription drugs that you are already taking or that you are likely to need in the future. The insurance providers available to you depend on where you live. You probably can find an appropriate insurance provider by going to one of the following websites:
Medicare website -- This is the official government website.
One of the best ways to lower your drug and medical expenses is to adopt a lifestyle that lessens the chances of injury and sickness. Following are some examples:
Avoid dangerous activities, if possible.
If you have an injury or illness get it taken care of before it gets worse. The longer you wait the more expensive the treatment. If you think you can't afford treatment try to find some low-cost clinic that you can afford.
If you have a serious illness, it can be very dangerous (and eventually expensive) to try to treat yourself. It's usually better to see a doctor or go to the emergency room in a hospital.