Go ahead, talk about money.

Diabetic Living (USA) - - Doctor’s Orders -

Health care is ex­pen­sive and in­surance is com­pli­cated— and your doc­tor knows it. “If you’re hav­ing trou­ble pay­ing for treat­ment, it is ab­so­lutely OK to say, ‘I can’t af­ford that,’” says deBronkart. Doc­tors can some­times re­fer you to pa­tientsup­port or­ga­ni­za­tions that of­fer grants, or re­fer you to clin­i­cal tri­als and med­i­ca­tion-dis­count pro­grams. Health care fees can vary widely based on your in­surance plan and providers. If you have a high de­ductible and/or are wor­ried about costs, deBronkart sug­gests ask­ing, “What is the self-pay price?” Some providers give dis­counts for up-front pay­ment, mak­ing self-pay cheaper than go­ing through an in­surance plan.

With pricey med­i­ca­tions or pro­ce­dures, al­ways ask if there is a more-af­ford­able op­tion, sug­gests deBronkart. When he de­vel­oped an early-stage skin can­cer a few years ago and the es­ti­mated cost for sta­teof-the-art surgery to re­move it was $7,000, he did his re­search. He ul­ti­mately paid just $682 for a sim­pler pro­ce­dure. To check costs, ex­plore re­sources like ClearHealthCosts.com and GoodRx.com.

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