Go ahead, talk about money.
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.