Health Finances: 3 Ways To Bundle And Save On Medical Expenses

Despite the controversy that still surrounds Obamacare and its possible replacement, there's one thing almost everyone can agree upon: Healthcare is expensive. 

Even with a good insurance plan, medical expenses can add up fast. Between premiums, deductibles and copays, many people are left with costly medical bills or simply avoid seeking treatment altogether.

The good news is that there are ways to save even if you don't have the best coverage out there. By bundling healthcare services and making some informed choices, you can learn how to save on medical expenses and keep you and any dependents covered stress-free.

3 Ways to Save on Medical Expenses: Bundle Payments

Health insurance payment bundling is a payment structure that allows you to pay a fixed fee for all the treatments and services pertaining to a particular condition rather than paying for each one individually. 

You can speak to your health insurance provider about their stance on bundled payments; most of the time, payment bundling is offered through employer-sponsored health insurance as a means of cutting costs and providing better care to employees.

Stick to In-Network Providers

Depending on the type of health insurance you have, there may be high costs for visiting physicians and specialists outside of your health insurance network.

Stick to the doctors in your plan's network to avoid paying anything except your co-pay. If you want to visit an eye care professional or other type of specialist, you'll have to see whether or not your plan includes vision services and treatments. 

If not, you can investigate vision insurance plans that will drastically lower the cost of eyewear and eye-related services.

Ask for Discounts and Consider Paying in Cash

If you ask for discounts at hospitals and healthcare providers like All About Eyes, you may find that you qualify for them depending on the circumstance. 

These discounts aren't readily available to people through their insurance providers, so you have to take the initiative and investigate.

You should also consider paying for some services or prescription medications in cash. Surprisingly, wholesale providers like Costco and Sam's Club offer many prescription drugs that are cheaper to buy outright than through insurance.

Cutting Down Medical Costs

Because the healthcare industry is constantly fluctuating and facing a major upheaval over the next year, finding a good plan can be a challenge. 

Payment bundling is more prominent by healthcare providers than ever before, so ask your current provider what type of conditions qualify for payment bundling. 

If you just need ways to save on medical expenses for routine care, ask for discounts, explore your options and openly communicate with your healthcare provider. There are often discounts and other opportunities to save that you might not have been told about when you signed up.

If your current plan isn't cutting it, check out private plans and compare free online quotes from multiple providers. 

At the end of the day, medical expenses are one of those necessities we can't avoid, but we can take measures to ensure our health doesn't have to cost us more than just feeling good.

Out of the Red: 4 Keys to Paying off Your Debts the Most Efficiently

Accumulating debt has both positive and negative effects on your life. You must create some temporary debt in order to improve your credit score, but it can get out of hand very quickly. It's time to get out of the red and into the black by paying off your debts. Explore the smartest way to pay down these balances with efficiency in mind.

Focus on High Interest Rates

The first debt to pay off is the one with the highest interest rate. This debt is growing larger by the day with compounding interest. 

Try to work out a payback plan that reduces this debt first while keeping up with minimum payments on your other balances. By paying this debt off first, you'll save a lot of money on interest so that the funds can be allocated to the next debt.

Add Extra Money to the Principle

Some debts will take considerable time to pay off. As a solution, send extra funds each month to apply against the principal. Most bills have an area to write in this amount with a stipulation that it's for the original balance. 

With this strategy, there will be less interest on the principal because it's much smaller each month. The additional funds don't have to be too large either. Sending an extra $20 one month will still help your cause.

Consider a Payday Loan

A clever way to efficiently pay down your debts is through payday loans. Take a short-term loan on your upcoming check so that a bill can be paid on time. 

Some companies, like Payday Express, know how bad it can be to pay bills late. You'll avoid late fees, and some extra money might be placed toward the principle. Pay the loan back as soon as your employer deposits the money. 

You might try this strategy several times a year so that every bill is paid on time with extra funds added as well.

Try Balance Transfers

If your credit-card interest rate is getting out of hand, consider a balance transfer to another card or account. 

These transfers usually come with a fee, but you'll often benefit from a low or zero-percent interest rate for a short time period. Use this free time to pay off the balance.

Borrowing money from loved ones is a tempting offer, but this strategy can create problems. If payback is difficult, strife between parties can occur. 

Ideally, borrow from a reputable lender and pay it back as quickly as possible. You'll preserve your relationships when you keep financial matters dedicated to the professionals.

Little Known Highway Code Rules to Get Familiar with Before you Pass Take your Theory Test

You might be familiar with some of the well-known highway code rules, such as the speed limit for a motorway being 70 mph. But it’s also good idea swat up on the lesser rules that apply when driving on the road before you take your theory test. 

Powered wheelchairs and scooters must not travel faster than 4mph

All wheelchairs or scooters used on the pavement mustn’t go above 4mph. The reason for this is so that pedestrians have enough time to move out of the way on narrow pavements. 4mph is a brisk walk so I doubt anyone will be getting run down anytime soon!


There are 5 different colours for the reflective road stud (also known as cat eyes)

• White marks the middle of the road or lanes.
• Red shows the left hand side of the road.
• Amber shows the central reservation of a motorway or dual carriageway.
• Green shows the entrance or exit of the carriageway at slip roads and lay bys.
• Green & yellow mark roadworks and lane layouts.

Don’t use a hand held microphone when driving

This is an odd one. Maybe it relates to the cars that used to drive around with speakers on the top during political campaigning?

Use the emergency telephones if you’re in an accident

You should use the emergency telephones instead of your mobile phone if you’re in an accident as these are connected directly to the police. By using these phones they can get your exact location.

If you stop on a single yellow line the driver can’t get out of the car

Yes, it’s true! Even though you probably see lots of people doing this everyday, technically it is against the rules in the highway code. You can take a free driving theory practice test to help brush up on these little know rules. 

If your windscreen is misted or frozen, you must clear it completely before starting to drive

How many cars do you see during cold weather driving around with half of their windscreen still frosted up? No doubt you see them snaking all over the road because they can’t see out properly.

You have to clear the whole car of snow

If you get snowed in and your car gets covered you have to clear the entire car. Big chunks of snow and ice falling off of cars can be really dangerous for other drivers and cyclists. No one wants a big block of ice hurtling through their windscreen at 70mph!

Speed limits aren’t a target

Speed limits are the maximum speed, you don’t have to drive at the exact speed limit all of the time. You’re not allowed to drive really slowly and cause an obstruction, but equally you can go the speed that you’re most comfortable with on the road or for the weather conditions at the time.

You can’t leave your car unattended on a public road if the engine is running

This rule is broken by pretty much all drivers during winter. I bet you’ve left your car windows to defrost with the engine running? Technically if you left it unattended then you’re breaking the rules of the highway code. Although I’ve never heard of anyone getting a ticket for this!

Looking Ahead? 3 Dynamite International Investment Opportunties To Consider

When you think about investing in a company, you probably think about investing in the stock market or a common company that is in the United States as this is where most of the larger corporations seem to be at one point or another. 

While investing locally is a good idea if you don't want to risk losing your funds to a foreign bank or foreign company, there are a few dynamite investment opportunities on the international table that you might want to consider.

Irish Roots

If you're looking for a stable international investment, then consider Ireland. The currency in Ireland is much stronger than it is in the United States and in other areas of the world. 

The society is a bit more stable, and companies are growing by leaps and bounds. Ireland is a country that is known for being friendly to all types of businesses. Tax incentives are offered to companies to keep them growing.

Foreign Real Estate

Instead of looking at the rising mortgage rates and falling housing market in the United States, consider international real estate. 

Sites like fortalia.com believe in investing and expanding real estate in countries like Poland. From hotels to shopping centers, there will always be a need for real estate in these countries because they are prime travel destinations. 

Whether the building is already in place or there are plans in the works, foreign real estate is an opportunity that is often affordable to get involved with and that has a high payout in most locations.

Foods

Whether it's chocolate or baby food, there are several food items that are manufactured in Switzerland. 

This is another country that is dedicated to the growth of businesses. Some of the top names of businesses that come from the country include Gerber and Nestle. 

These are companies that likely won't see any kind of a decrease in revenue any time soon, so if you're looking to invest in them, now is the time before more money is made and rates keep climbing. 

Sometimes, the best choice that you take is to invest in an international market. There are often more incentives for businesses to stay in the country, which means making more money for the company and for you. 

Whether it's coffee, houses or electronics, it's often easier to find an international investment than one that is domestic.