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7 Secret Off-Grid Ways To Save On Health Care

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Did you know that the United States, per capita, spends more than twice the average of other developed countries on health care?

Research by the Organization for Economic Cooperation and Development reveals that this higher spending likely is driven by a greater use of technology and higher health care prices, rather than more frequent hospital admissions or doctor visits.

This higher spending has had a big impact on the average American wallet. Today, many Americans are paying a larger percentage of their medical costs than ever before. Although the Affordable Care Act may have given more people access to health insurance, those insurance plans often come with high deductibles.

In order to save money on health care, American consumers should look at health care just as they look at other services they purchase. They need to shop around and follow the shopper’s maxim of “let the buyer beware.”

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Here are several ways to save on health care costs they you may not have considered.

1. Do some research. You wouldn’t buy a car without doing some research, would you? You can apply that same comparison shopping mindset to buying a surgical operation or other planned medical procedure.

Ask questions such as whether a test or procedure is really necessary. Get prices – including all costs associated with a test or procedure – in advance and in writing. Ask for a signature and title along with the quoted price.

2. Pay cash – and ask about discounts. Many hospitals and clinics offer steep discounts for quick payment. A recent article in the Los Angeles Times reported that Torrance Memorial Medical Center billed a patient’s insurer, Blue Shield of California, $408 for routine blood tests. The patient was responsible for $269.42.

Yet when the patients called the hospital to question the tests, which cost $80 each, she was told that if she had paid in cash, the tests would have cost only about $15 each. In other words, she was better off to avoid insurance and just take care of the bill herself.

Get in the habit of asking if there is a cash discount or some other discount for which you might be eligible.

3. Don’t take – and then pay for — tests you don’t need. The American medical community has gone test and imaging crazy. While some of them are necessary, many are not. Be wary of agreeing to expensive scans and x-rays for uncomplicated ailments. Ask your doctor why it is needed.

Visit ConsumerReports.org/choosing-wisely for more information.

4. Examine your bills. It is not uncommon for patients to be billed twice or even three times for the same hospital service.

Health care bills are filled with codes, and they can be confusing. It is well worth your time to find out what the codes stand for and to make sure you actually had that service or procedures indicated by the codes.

5. Become a letter writer. We all like the instant communication of email and phone calls, but an old-fashioned letter is your best bet for communicating about your health care charges.

7 Secret Off-Grid Ways To Save On Health Care

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While emails often are ignored and phone calls provide no record, letters usually are answered. Be sure to make copies of your correspondence.

Another option – particularly if you need to work out a payment plan – is to visit the hospital’s billing department in person. Be polite and courteous.

This final tip will only work as a money-saver in certain situations. When faced with mounting questions and overwhelming medical bills, you can consider hiring a patient advocate to help you.

Patient advocates are expert in spotting incorrect codes as well as incorrect or duplicate charges on your bills. Some claim they can recover 20 to 50 percent of your charges. Advocates either charge a flat fee, or a percentage of what they recover.

6. Buy generic. Ask your doctor or pharmacist about generic alternatives to brand name medicines. Often they are just as effective but are far less expensive. You may even find that you can get certain generic prescriptions for less money by paying cash for them than by paying your co-pay for brand name prescription drugs.

Another way to save money on medications is to ask you doctor to write you a prescription for two or three months of medicine for a chronic ailment instead of just for one month. You can eliminate multiple co-pays this way.

You also may save money by substituting certain over-the-counter (OTC) medicines for higher-priced prescription versions. Examples are substituting OTC loratadine (Claritin) (or a generic) for prescription levocetirizine (Xyzal) or OTC omeprazole (Prilosec) for prescription esomeprazole (Nexium).

7. Stay in your network. Read your health plan carefully to find what doctors and hospitals are part of its coverage. Even if you are allowed to visit non-participating providers, you usually will pay more if you do.

On the other hand, question “out of network” charges that are not your choice. For instance, you should complain if, after surgery, you are billed extra charges for an out-of-network anesthesiologist that your network hospital chose for you. If you did not choose that doctor, you are not responsible for the penalty fee.

What advice would you add on saving on health care? Share your thoughts in the section below:

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Self Sufficiency

NYC Adds Nearly 4,000 People Who Never Tested Positive To Coronavirus Death Tolls

New York City added nearly 4,000 people who never tested positive for the coronavirus to its death toll Tuesday, bringing coronavirus-related deaths in the city to around 10,000 people.

The city decided to add 3,700 people to its death tolls, who they “presumed” to have died from the virus, according to a report from The New York Times. The additions increased the death toll in the U.S. by 17%, according to the Times report, and included people who were suffering from symptoms of the virus, such as intense coughing and a fever.

The report stated that Democratic New York City Mayor Bill de Blasio decided over the weekend to change the way the city is counting deaths.

“In the heat of battle, our primary focus has been on saving lives,” de Blasio press secretary Freddi Goldstein told the Times.“As soon as the issue was raised, the mayor immediately moved to release the data.”

The post New York City added nearly 4,000 people who never tested positive for the coronavirus to its death toll appeared first on Daily Caller

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The Ultimate Energizer Review – Does It Really Work?

energy

If you’re looking for a review of the ultimate energizer guide then you have come to the right spot because in this exclusive article we’re going to blow the lid off the ultimate energizer once and for all and reveal weather it is the real deal or not.

This brings us to the review of the ultimate energizer guide. This is a program that provides users with classified information on how to build a free energy generator. But can the program really make you achieve this?

does it work? will it be worth your investment, time and energy? all these questions and more are what this review on the ultimate energizer program seeks to help you find answers to.

The ultimate energizer review – is it worth it?

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About The Ultimate Energizer guide

The ultimate energizer is your ultimate guide to building your own alternative and portable energy source to power up any of your household appliances including refrigerators and aircon units. It is a very affordable way to having an emergency generator that can help you save more than 50% from your electricity bills without spending too much on other alternative energy source like solar panels or wind turbines which is costly and will also need a lot of space.

The ultimate energizer causes you to be calm about the electricity bill. This well ordered guide shows you how to manufacture this claim “home energy gadget” today impeccably. This will dispose of your energy charge ensured.

It is lost to the earth which means we need to really take care of it in order to reduce the cost of energy bills which introduces the ultimate energizer guide.

About The Ultimate Energizer Creator

The creator of the complete the ultimate energizer guide is steven perkins. He found the journal of the founder of this technology in his home when his father shifted near quebec city in canada.

In this post, we will review the ultimate energizer whose creator claimed to offer a way through which you can generate non-stop current. According to the author, you can drop down your electricity bills by 80%.

Of course the ultimate energizer owners provide resources. But the truth is that you are a master creator. All of them have that talent in us. The only difference is the extent to which it is hidden in each of us.

Features of The Ultimate Energizer

The features of the ultimate energizer guide are as follows:-. This program guide will help you to design a the ultimate energizer generator which will follow the rules of linear induction motor which is built around a track that is orbicular to maintain the smooth motion of rotors that are transportable.

You can find here, a extensive review which highlights all the important features and performance criteria of the ultimate energizer. Use of the the ultimate energizer is very easy since all of the functions can be accessed in a short time; you have complete control over it. 100% money back guarantee shows that the ultimate energizer really works. The ultimate energizer gives full customer support for 7/24/365, also, features, credibility and the ultimate energizer’s ease of use are favorably satisfied by the buyers.

Use it on any electrical appliances from small clocks to big plasma tv screens, refrigerators, and air conditioners. Power the cabins while hiking to the mountains or camping. Other essential features of this complete the ultimate energizer are that it is easy to assemble and does not require a technical background to master engineering.

Pros and Cons of The Ultimate Energizer

I’ve created this  honest ultimate energizer review to help you make a well-informed decision. I’ve tested it myself and now i’m going to share with you all the key aspects you may be interested in: how does it work? is it really so powerful and effective? what are its pros and cons?.

It is non-polluting. It remains popular the ultimate energizer guide pros & cons because it is both a renewable and clean source of energy. Harnessing solar energy is more than a fine idea it’s currently a reality in thousands of homes in a lot of nations around the world.

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On the review of the ultimate energizer guide, we will be looking into what exactly the program is all about, the details of the energy generator program, the benefits, pros & cons and our conclusion on the program.

Does The Ultimate Energizer really work?

The device is usable during emergencies. It works without fuels and therefore there are no expected fumes. It is weather proof. Cons of the ultimate energizer. You can only download the program from the official website.

But the ultimate energizer reviews that are available from real users online on platforms like google and youtube seem to confirm that the device does indeed work. So, as per my ultimate energizer review answer to the question is the ultimate energizer legit? is definitely yes.

The ultimate energizer guide. The ultimate energizer is said to work for your home and cut electricity by 82%, guaranteed by tomorrow. The ultimate energizer reviews. It can boost any type of electricity by as much as 5 times.

Advantages of The Ultimate Energizer Program

The program can benefit you in many ways. Below we are listing the advantages of using the ultimate energizer program for generating electricity:. This device will help you save up to 60%-70%, without investing money in solar panels which can cost you a lot of money.

There are additional the ultimate energizer guide program advantages too, including advantages at tax time, so do your homework on what you might have for being a solar power pioneer contributed back.

Why The Ultimate Energizer is Useful?

The ultimate energizer is a complete guide and blueprint. With it, you get everything you need to know to build your own free energy generator. This generator can be completed for less than $50 if you have some tools already. But i remember reading another review of the ultimate energizer, and the guy said he took days. Maybe he was crafty. Then, you assemble it and get it to work.

You will be guided step by step, that anybody who can read can build it. You do not need prior building experience or massive strength; it is that easy. Building the ultimate energizer takes under 4 hours if you are slow and definitely a lot less when you have help.

The ultimate energizer has already changed the lives of over 30,000 families who chose to power their homes using this eco-friendly device. This is definitely a good investment that is worth your time and money and if you think it isn’t after trying it out, you can request for a refund.

Is The Ultimate Energizer a Scam?

The ultimate energizer guide really show you how to power your house and save tremendously, or is this just another overhyped scam? this system was created after its owner decided he wanted to have a home power generating system in case of any crises or disasters.

The ultimate energizer pdf. It does not need any conventional electric power. The ultimate energizer scam. In this program, you can also build more generator and sell for profit. This product can also be incorporated into the automobile to power an electric motor.

All you need is an open mind and a desire to try new things to get a life in the field of freedom of energy. So, what are you waiting for? it’s time to say goodbye to major energy companies and start using the ultimate energizer guide today.

Watch this video demonstration of the ultimate energizer guide put into action

 

>> Click here to get access to the ultimate energizer guide now

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Better Off-Grid Deal Yet? Good This Weekend Only!

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The post <span style="color:#ff0000">Better Off-Grid Deal Yet? Good This Weekend Only!</span> appeared first on Off The Grid News.

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