40% of Medicare enrollees have knowingly skipped or delayed medical treatment, appointments, and prescriptions to save money. (eHealth)
The reasoning behind this is the expense. Prescriptions, dentures, hearing aids, routine vision exams, and glasses are not always covered under original Medicare. Another area of concern are deductibles and copays which can be hard to understand. When Medicare patients are faced by these additional charges they are often left feeling concerned about how to pay the bills and start postponing care.
What can you do?
1. Re-evaluate your plan every year. What worked for you last year may not work this year. Make changes and devise your plan based on where you are now. Premiums can increase and coverage can change.
2. Read all the information given by Medicare and stay up to date on changes. If you have questions ask. Call your insurer to clarify difficult questions.
3. Talk to your doctor. Explain your situation and see if there are alternative methods available - cheaper medications, less expensive treatments, and other resource alternatives. It is in your best interest to stay up to date with your medical treatment and can save you money in the long run.
4. Think about purchasing stand alone insurance coverage or Medicare Advantage plans. Spending a few more dollars a month could save you later.
It is so important to remember that avoiding medical attention now can lead to more problems with higher bills later. Let us help you understand Medicare so that you may be happy and healthy without the worry.
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Just like you, your health is one of a kind. What works for one person may not for another, so the information in these articles should not take the place of an expert opinion. Before making significant lifestyle or diet changes, please consult your primary care physician or nutritionist. Your doctor will know your own health best.
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