1 in 4 Americans don’t seek medical care they need because they can’t afford it. Terrifying, isn’t it? But, regardless of your financial situation, there are some ways to reduce the amount of money you spend on healthcare. If you don’t get the care you need, it can cost you much more in the long run.

So, how to get services and meds without going broke? Here’s how you can do it:

1. Inquire about generics

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There may be cheaper alternatives to the brand-name drug you need. Don’t be shy to ask your doctor if there’s a generic version of the medicine and whether it will work for you.

2. Check if you can get a discount

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If you need a test, scan, or a procedure, find out how much it’s going to cost you first. If you can’t afford it, ask for a discount – you may actually get one. Also, compare the prices in your area; you may find a lab or office that charges less.

3. Compare drug prices

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If there’s a pricey medicine you need to take over a long period of time, check its price in pharmacies in your area. Also, it may be cheaper to mail-order your meds, if your insurance covers this option.

4. Pay in cash

Some providers charge less if you pay in cash, so ask yours if it makes a difference.

5. Take copies of your test results

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Keep the copies of test results for doing the math on your healthcare spending later on your own.

6. Read your medical bills carefully

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It’s surprisingly common for medical bills to contain errors. Before you write checks, read the bills carefully, and don’t hesitate to ask questions about charges you don’t understand.

7. Reduce the number of visits to the doctor’s by staying healthy

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And last but not least: A healthy lifestyle can save you thousands of dollars down the road. Avoid smoking, eat healthful meals, and stay as active as possible.

This article is solely for informational purposes. Do not self-diagnose or self-medicate, and in all cases consult a certified healthcare professional before using any information presented in the article. The editorial board does not guarantee any results and does not bear any responsibility for any harm that may result from using the information provided in the article.