Saturday, January 2, 2010

Save on Medical Costs

My son broke three bones in his foot when he jumped down some stairs. When we began this medical journey, we knew we needed to do all we could to cut costs while getting him the help he needed.

We were told he needed a CT scan because one of the bones had been broken right by the growth plate and near the joint in his toe. We were told it was going to cost $1200-$1500 to have the scan done in the city where our doctor's office was. My husband called a couple of the hospitals in nearby towns. One hospital quoted us $980 and the other hospital quoted us $750. We had the CT scan done for $750 at a hospital that was newly remodelled and had state of the art equipment. The CT scan was top quality. The doctor said it even had additional views that the $1200-$1500 scan typically doesn't have.

The next area we were able to save was in buying our own walking boot. After being in a normal cast for a month, we were told my son needed to wear a walking boot for a month. We talked with the doctor and asked about bringing our own boot. That was fine with her. So I called the gal who was in charge of all the medical equipment at the doctor's office to find out what to look for. She was very kind and gave me pointers on what to look for and also a quote on what a boot would cost if we got it from them. She said it was $160, but if we paid directly instead of running it through our insurance, we could get a 35% discount. As you can see from the picture, the boots isn't that special, so it seemed quite expensive to me. So, I looked online. I found I could buy a new one for $80-$100. Then, I posted a wanted ad on www.craigslist.org hoping to buy a used one. A gal contacted me and she had one but it was a larger size than my son needed. However, we still got that boot from her and he wore it over his normal cast when he was out in the snow. She told me she had gotten it second hand from a thrift store. That was not a place I had thought to look. That evening I sent a message to a friend who works at a local thrift store. I asked her if they got medical equipment in and explained what I was looking for. She said they got medical equipment in all the time because people often use it for a very short time and then have no need for it. I went to the thrift store she works at and they had a boot that fit my son perfectly. It didn't even look like it had been used. It had the instruction manual inside and an extra cushion with it. It cost $1! I was amazed and incredibly blessed!

When it comes to medical issues, the costs can be outrageous. You can take the easy road and just do whatever the doctor or the office suggests or you can be pro-active and see if you can't reduce those costs a bit. I would never want to cut costs if it meant inferior care. In our case, we were able to save a significant amount of money on the CT scan and they did a great job. And as for the boot, every time I see it, it makes me smile...because I love a bargain!

And, if anyone needs a short walking boot(size medium), I have one to give away. And in another two weeks, I'll have a tall walking boot (size small)...that is now in used shape.

Wednesday, December 2, 2009

What can you do today to save money later?

Today I took my daughter to the dentist. She had a tooth that was bothering her. It turned out it was badly decayed. I guess failing to make getting to the dentist a priority is going to cost us because she is going to have a large filling in one tooth and the the other tooth they are going to have the take out all the pulp and fill it with a calcium substance before putting a large filling on that tooth too (it's a baby tooth). Then this afternoon I was working on a project I need to have done before Christmas. When I ordered some prints online, I ended up paying extra to have them done in one hour rather than waiting a week to ten days to have them sent to me.

In both of these circumstances, I realized that if I had been proactive, I could have saved. If I had gotten my daughter in for a regular check-up or at the least, when I first noticed the decay on her tooth, chances are it would have been a small filling. If I had gone online and ordered the prints I needed two weeks ago, I could have taken the cheaper option and had them shipped to me without fear that I wouldn't be able to complete my project on time.

What do you have in your life that if you accomplished it today, it will save you money in the long run? Post your suggestions for the rest of us to learn from!

Thursday, October 29, 2009

Shop for the best deal


One of the best ways to save money when making a purchase or getting a service done is to shop around. When I had to get my windshield replaced I called 6 different businesses. They were all able to tell me over the phone what it would cost. There was a wide range. If I just went with the first company I called, I would have paid double what I got it done for. I even called a local shop and asked them if they could meet a competitor's price (that was farther from where I live) and they did adjust their price. It took me about an hour and a half to find the best deal on a new windshield.
There is a really neat site that has just been launched in Missoula, MT, called http://www.whocanhelp.com/ . This site allows you to put in whatever service or job you need done. Then, instead of you having to call providers to get quotes, they look at the jobs and give you a quote on what they would do it for. The other neat thing is that if you have a simple task that needs to be done, you can hire a handyman for a much lower rate than a professional to accomplish your task.
So, if you are in the Missoula area, check out http://www.whocanhelp.com/ .