{"id":2152,"date":"2026-11-01T11:28:34","date_gmt":"2026-11-01T11:28:34","guid":{"rendered":"https:\/\/healthdailyusa.com\/?page_id=2152"},"modified":"2026-11-01T17:24:43","modified_gmt":"2026-11-01T17:24:43","slug":"strategies-for-stretching-your-health-care-dollar","status":"publish","type":"page","link":"https:\/\/healthdailyusa.com\/index.php?page_id=2152","title":{"rendered":"HealthDailyUSA.com &#8211; Strategies for Stretching Your Health-Care Dollar"},"content":{"rendered":"\n<div class=\"wp-block-group custom is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n\n\n<div id=\"fb-root\" class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n\n\n<div style=\"display: none\">\n  <div id=\"inline1\" style=\"color: #004E98;text-align:center;font: 24px\/32px Calibri;margin-bottom: 10px;line-height:27px;overflow: hidden;width: 490px;height: 270px;padding-left: 8px;margin: auto\">\n    <h1 style=\"font: 48px Calibri\">Thank You!<\/h1>\n    <hr>    \n    You have made a smart decision! 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PD ROH -->\n                                \n                                \n                                \n                                <!-- Conversant Media 728x90 LEADERBOARD CODE for AdRx - PD ROH -->     \n                                            <\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n          \n                \n        \n        <div id=\"content\">      \n        \n\n<div id=\"k2ModuleBox143\" class=\"k2ArchivesBlock\">\n  <div id=\"title\" style=\"font-size: 20px;color: #333333;font-family: Verdana !important;padding-left:11px;padding-top:20px\"><strong>Archives<\/strong><\/div>\n    \n       \n<\/div>\n        \n         \n<div id=\"system-message-container\">\n<\/div>\n        \n<!-- Start K2 Item Layout -->\n<span id=\"startOfPageId1554\"><\/span>\n\n<div id=\"k2Container\" class=\"itemView\">\n\n\t<!-- Plugins: BeforeDisplay -->\n\t\n\t<!-- K2 Plugins: K2BeforeDisplay -->\n\t\n\t<div class=\"itemHeader\">\n\n\t\t\t\t<!-- Date created -->\n\t\t<span class=\"itemDateCreated\">\n\t\t\tSunday, 28 May 2006 00:00\t\t<\/span>\n\t\t\n\t  \t  <!-- Item title -->\n\t  <h1 class=\"itemTitle\">\n\t\t\t\t\t\t\t\t\n\t\t\tStrategies for Stretching Your Health-Care Dollar\n\t\t\t\n\t  <\/h1>\n\t  \n\t\t\n  <\/div>\n\n  <!-- Plugins: AfterDisplayTitle -->\n  \n  <!-- K2 Plugins: K2AfterDisplayTitle -->\n  \n\t  <div class=\"itemToolbar\">\n\t\t<ul>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t<!-- Item Social Button -->\n\t\t\t<li>\n\t\t\t\t\n\n\n<!-- AddThis Button BEGIN -->\n<div class=\"addthis_toolbox addthis_default_style\" style=\"margin-top: 15px\">\n\n\n\n\n\n<\/div>\n<div style=\"position: absolute;margin-bottom: 1px;margin-top: -19px;margin-left: 164px\">\n\t\t\t\n\t\t\t&lt;div class=&quot;fb-like&quot; data-send=&quot;false&quot; data-layout=&quot;button_count&quot; data-width=&quot;200&quot; data-show-faces=&quot;true&quot; data-font=&quot;verdana&quot; \n<\/div>\n<div style=\"position: absolute;margin-bottom: 1px;margin-top: -20px;margin-left: 176px\">\nTweet\n<\/div>\n<\/div>\n\n<!-- AddThis Button END -->\n\n\n\n    \n\n\n\t\t\t<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t\t\t<\/ul>\n\t\t<div class=\"clr\"><\/div>\n  <\/div>\n\t\n\t\n  <div class=\"itemBody\">\n\n\t  <!-- Plugins: BeforeDisplayContent -->\n\t  \n\t  <!-- K2 Plugins: K2BeforeDisplayContent -->\n\t  \n\t  \n\t  \t  <!-- Item text -->\n\t  <div class=\"itemFullText\">\n\t  \t<p>SUNDAY, May 28 (HealthDay News) &#8212; When it comes to health care, it&#8217;s not the uncomfortable needle pricks that Americans mind so much. It&#8217;s the cost of medical care.<\/p>\n\n<p>Lately, consumers have been feeling pinched when they visit the doctor or receive care at the hospital, new government statistics reveal. In 2004, spending for these services grew at levels not seen since the early 1990s.<\/p>\n\n<p>And\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sswvdvcrdamingm\"><\/span>\n\n workers&#8217; share of health-care premiums is mounting, too. People who get health insurance benefits through their employer can expect to pay out 10 percent more, on average, in 2006, according to benefit-consulting firm Towers Perrin. <\/p>\n\n<p>To make your health-care budget stretch farther and avoid piling up medical debt, you&#8217;ve got to plan ahead, advised Jessica Cecere, president of Consumer Credit Counseling Service of Palm Beach County\/Treasure Coast in Florida. <\/p>\n\n<p>&#8220;Nobody plans to have huge medical expenses,&#8221; she said, &#8220;and that&#8217;s why they&#8217;re so huge.&#8221; <\/p>\n\n<p>For starters, consumers need to know exactly what their health insurance will and won&#8217;t cover. Cecere recommends that people read and understand their policy before there&#8217;s an emergency. <\/p>\n\n<p>Using\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sswvdvcrdamingm\"><\/span>\n\n facilities that are not part of your insurer&#8217;s provider network, for example, could cost you more than you anticipated. To keep your out-of-pocket costs at a minimum, stay in-network, she said. <\/p>\n\n<p>Plus, if you don&#8217;t use what you&#8217;re entitled to, you could end up leaving money on the table, cautioned Alwyn Cassil, a spokeswoman for the Center for Studying Health System Change in Washington, D.C. <\/p>\n\n<p>For example, some employers allow workers to set aside pre-tax dollars in a flexible spending account each year to pay for qualified medical expenses, including doctor fees and preventive care. But if you don&#8217;t spend the money by the annual deadline your employer has established, you forfeit those funds. <\/p>\n\n<p>In\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sswvdvcrdamingm\"><\/span>\n\n 2005, the U.S. Treasury Department modified an existing rule that required any leftover funds to be spent by the end of the plan year. Now, employers are allowed to give workers a grace period of two-and-a-half months. Check with your employer to find out what the deadline is. <\/p>\n\n<p>&#8220;If you have a flexible spending account, use it,&#8221; Cassil said. &#8220;You can use it for over-the-counter medications now, so there&#8217;s no reason to lose it. Go buy ibuprofen for the next two years.&#8221; <\/p>\n\n<p>To save money on prescription drugs, consumer advocates suggest switching from brand-name products to less expensive generic alternatives. Shopping around for best prices also can help. <\/p>\n\n<p>Consumers Union, publisher of Consumer Reports magazine, has produced a series of reports comparing prescription drugs by category. Each report sizes up medicines by price, effectiveness and safety. The information is intended to help consumers have a conversation with their doctors about the best drug for their condition, while also taking price into account. (To learn more click here.)<\/p>\n\n<p>If\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sswvdvcrdamingm\"><\/span>\n\n you find yourself between jobs and you think health insurance is too expensive, think again. Going without coverage for a period of time, as people often do, is a huge risk, Cecere said. <\/p>\n\n<p>&#8220;If you do fall off a ladder and have to go into the hospital for a week, that is devastating,&#8221; she said. And that&#8217;s why people should plan ahead. &#8220;The way you plan for it is you have some sort of coverage for that,&#8221; even if it&#8217;s a bare-bones policy that covers only &#8220;catastrophic&#8221; medical costs, she added. <\/p>\n\n<p>Here&#8217;s\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sswvdvcrdamingm\"><\/span>\n\n another tip: If you don&#8217;t require emergency care, make an appointment with your doctor. Using the emergency room for routine medical care is a good way to start sinking into debt. <\/p>\n\n<p>&#8220;You\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sswvdvcrdamingm\">seo tips<\/span>\n\n might get charged $1,000 for walking in the door,&#8221; Cecere cautioned. <\/p>\n\n<p>More information<\/p>\n\n<p>To\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sswvdvcrdamingm\"><\/span>\n\n learn more, visit \t  <\/p><\/div>\n\t  \n\t\t<div class=\"clr\"><\/div>\n\n\t  \n\t\t\n\t  <!-- Plugins: AfterDisplayContent -->\n\t  \n\t  <!-- K2 Plugins: K2AfterDisplayContent -->\n\t  \n\t  <div class=\"clr\"><\/div>\n  <\/div>\n\n\t\n  \n  \n  \n\t\t\t\n  \n\t<div class=\"clr\"><\/div>\n\n  \n  \n  \n  <!-- Plugins: AfterDisplay -->\n  \n  <!-- K2 Plugins: K2AfterDisplay -->\n  \n  \n \n\t\t<div class=\"itemBackToTop\">\n\t\t<a class=\"k2Anchor\" href=\"https:\/\/healthdailyusa.com\/index.php?page_id=2152#startOfPageId1554\">\n\t\t\tback to top\t\t<\/a>\n\t<\/div>\n\t\n\t<div class=\"clr\"><\/div>\n<\/div>\n<!-- End K2 Item Layout -->\n\n<!-- JoomlaWorks \"K2\" (v2.5.4) | Learn more about K2 at http:\/\/getk2.org -->\n\n\n              \n                <div class=\"artBanner\">  \n            <div class=\"carouselbanner\">\n                <div id=\"wrap\">\n                    <ul id=\"mycarousel90\" class=\"jcarousel-skin-tango\">\n                        <li>\n                                                            <!-- Conversant Media 160x600 WIDE SKYSCRAPER CODE for AdRx - PD ROH -->\n                                \n                                \n                                \n                                <!-- Conversant Media 160x600 WIDE SKYSCRAPER CODE for AdRx - PD ROH -->\n                                                   \n                      <\/li>\n                    <\/ul>\n                <\/div>\n            <\/div>\n        <\/div>      \n          <\/div>\n        <div class=\"clr\"><\/div>    \n    \n       <div id=\"bottombar\">\n        <div class=\"panel\" style=\"float:none !important\">\n            <div class=\"bannergroup\">\n                <div class=\"banneritem\">\n                                        \t<!-- Conversant Media 300x250 Medium Rectangle CODE for AdRx - PD ROH -->\n\t\t\t\t\t\t\n                        \n                        \n                        <!-- Conversant Media 300x250 Medium Rectangle CODE for AdRx - PD ROH -->\n                                           \n                <\/div>\n            <\/div>\n        <\/div>                   \n        <div class=\"panel\" style=\"height:600px !important;margin-top:10px\">\n            <div class=\"bannergroup\">\n              <div class=\"banneritem\"> \n                                                               \n                                 \n                <\/div>\n            <\/div>\n        <\/div>\n  <\/div>\n        \n                     \n  <\/div>  \n  <div id=\"footer\">\n    <div class=\"copyright\">\t\n\n<div class=\"custom\">\n\t<p>\n\tCopyright \u00a9 \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sswvdvcrdamingm\"><\/span>\n\n\n2012 Healthdailyusa.com. 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