Forbes Living TV Offers Tips for Saving on Health Care

Save on health care? Does that sound right? It can be hard to imagine that there are certain things we can do to save some money on health care costs. The Forbes Living TV show explains.

The cost of health care can be pretty steep these days. Doctor visits, co-pays, medication and medical procedures can cost an arm and a leg. Fortunately, there are ways in which we can save on health care. But we have to be prudent and aggressive about it.

If employers do not offer health insurance, it can be daunting to find the right plan. Take time to determine which plan is the most affordable, includes the family’s doctors, pediatricians, etc. and medications needed.

Shop around for the best price on medication. This can be online or in the neighborhood. Always ask if there is a generic alternative. Compare prices. And don’t just look at local drug stores.  Be sure to call warehouse stores likes Costco, BJs an Sam’s Club and check on prices, even no one is a member.  

Know what the family health insurance policy covers before making an appointment. How much are co-pays? What procedures are covered? And where. The Forbes Living TV show also suggests asking medical professionals if certain procedures are absolutely necessary.  If we don’t ask, we may end up paying for something that’s not really needed.  Ask if there is anything to do at home to ease the health issue instead of agreeing to a medical procedure.

Be your own health care advocate.

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Forbes Living Shares the Financial Resolutions We All Need to Make

The New Year is in its infancy and there is no better time than now to jump on the resolution bandwagon. Forbes Living offers some suggestions for making 2015 the year of personal finance success.

A survey conducted by Fidelity Investments found that those who made financial resolutions at the start of 2014 felt they were better off financially than those who did not. Let that be a good start point for the following resolutions:

Resolve to review financial statements every month. Whether you do this online or with the paper documents sent in the mail, it makes sense to comb through the line items. You may just find some fees which have been added which were not there.

Resolve to save more for emergencies, retirement and that one special item (a great safari trip, a new car, first home, etc) There are many ways to save money each month from setting up automatic deposits to manually adding the amount to a savings account.

Resolve to pay off debt and dispose of unneeded credit cards. Forbes Living TV knows that you can live with two and maybe even three credit cards. Also, cut up and toss out store credit cards.

Resolve to bank smarter. Find a bank with better fees or no fees, use an online bank, and break up with any bank that steals your hard-earned money for their unnecessary charges. 

Resolve to spend less every day. Ditch the expensive to-go coffees in the morning and make your own at home. There are an abundance of options. It is also a time-saving task since you won’t feel rushed getting to the coffee shop, waiting in line and rushing to work.

Resolve to not stray away from financial resolutions. It is very easy to be swayed by good deals, cool vacations and other things. But won’t it feel great to know that you accomplished your personal financial goals?

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