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Health care costs are continually changing, and more often than not, rising. We understand how hard it can be to plan and budget for health care costs for you and your family, along with other household expenses.

Understanding health benefits is not always an easy task, especially when it comes to high-deductible plans and Health Savings Accounts (HSA). With [National HSA Awareness Day](https://hsaday.com "National HSA Awareness Day") coming up on October 15th, we highlighted some practical benefits of using an HSA. Consider how these HSA hacks could help keep your out-of-pocket costs under control.

__What Is An HSA__

An HSA, usually a part of an insurance plan, is a triple tax-free savings account that can be used at any time for out-of-pocket medical expenses. An HSA acts like a “security blanket” when you need it for unexpected health care costs, including prescription medications you obtain using the Inside Rx prescription discount card. Click [here](https://insiderx.com/card "Click here to download a card") to download a card to access discounts.

__Use It Or (Never) Lose It__

Money that is in an HSA stays with you no matter your job, age, employment status, etc., it is yours forever. Therefore, as you build up your HSA you are free to use that money however you need pertaining to your health care. 

__Let Your HSA Work For You__

You can use the funds in your HSA for a variety of things. These funds can be used for common items you can find at a drugstore, medicare premiums, long-term care insurance premiums, doctor visits, certain preventive screenings or tests and even prescription medications.  

Another benefit of an HSA is that it can be used for medical expenses for anyone in your family, regardless of if you are or were enrolled for single coverage. 

Talk to your insurance provider or find an HSA provider to discuss how to set up an account, how to access the funds in the HSA or if you have any questions about an HSA. 

Listen to Jean Chatzky, host of HerMoney podcast and educational ambassador for HSA Day, discuss what you can pay for with your HSA account in the [Oh My Dollar podcast](https://www.ohmydollar.com/2019/10/03/hsa-jeanchatzky/ "Oh My Dollar Podcast").

Health care costs are continually changing, and more often than not, rising. We understand how hard it can be to plan and budget for health care costs for you and your family, along with other household expenses.

How To Save Using An HSA Account

HSA Day is October 15: How to Save with an HSA

Health care costs are continually changing, and more often than not, rising.

How to Save with an HSA

HSA Day is October 15.  How to save with an HSA.

HSA Day October 15

No one likes to suffer or be sick, whether it’s for a short time or ongoing. An infection, pain, [illness or an acute (sudden) or chronic (ongoing) medical condition](https://medlineplus.gov/ency/imagepages/18126.htm "illness or an acute (sudden) or chronic (ongoing) medical condition") can occur in any part of the body, requiring a doctor’s care and very likely, prescription medication.

Below are some of the most common [medical conditions affecting Puerto Ricans](https://www.iccp-portal.org/sites/default/files/plans/Puerto%20Rico%20Chronic%20Disease%20Action%20Plan%20English.pdf "medical conditions affecting Puerto Ricans") and examples of medications your doctor may prescribe. To save on these necessary medications for yourself and your family, a discount prescription drug card can help. 

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| [![Price your medication](//images.ctfassets.net/f0k4mcg36819/7MMKTfTLde2nW6k1cFszqj/4798960fb33a8f1a556069f43bcac816/CTA-PriceMedication-English-optimized.jpg)](http://insiderx.com/search/people)|

### Top Conditions Treated by Prescriptions in Puerto Rico

If you live in Puerto Rico, the conditions listed below may be very familiar to you. They are some of the most common medical conditions routinely treated here by prescription medications. Whether it’s a child’s ear infection, or a chronic disease that may (also) be improved by lifestyle changes (such as quitting smoking, losing weight, exercising), these are conditions which typically cannot effectively be treated at home with over-the-counter drugs or with non-prescription remedies. They will require diagnosis by a doctor and prescription medication.

Note we have listed them alphabetically simply as an aid in finding the one(s) most applicable to you.

__Asthma –__ [Asthma](https://www.mayoclinic.org/diseases-conditions/asthma/diagnosis-treatment/drc-20369660 "Asthma") is a chronic condition of the lungs that can be managed but not cured. This inflammation of the airways can affect people of all ages, including children. The goal of asthma control treatment is to avoid an asthma attack (which comes on suddenly and can be fatal).

Prescription Treatments: Daily maintenance treatment usually includes a combination of corticosteroid and bronchodilator inhalers and oral leukotriene inhibitors. So-called “rescue inhalers” are also essential to prevent an asthma attack.

__Depression –__ [Depression](https://www.nimh.nih.gov/health/topics/depression/index.shtml "Depression") is more than feeling down or sad. It’s a common but serious mood disorder that affects how you think, feel and handle daily life. There are many forms, from chronic (e.g., persistent depression and major depressive disorder) to situation-specific (e.g., postpartum depression or grief). 

Prescription Treatments: Antidepressants are drugs that treat depression. There are new ones coming on the market all the time and they may be used in combination if one by itself does not deliver relief of your symptoms. Classes of antidepressants include tricyclic antidepressants (TCAs), selective serotonin reuptake inhibitors (SSRIs), serotonin norepinephrine reuptake inhibitors (SNRIs), and monoamine oxidase inhibitors (MAOIs). Be sure to report any side effects like erectile dysfunction, insomnia or high blood pressure (among others) to your doctor.

__Diabetes –__ [Diabetes is a metabolic disease related to digestion.](https://ddc.musc.edu/public/diseases/pancreas-biliary-system/diabetes.html "Diabetes is a metabolic disease related to digestion.") It occurs when your body does not make insulin (type 1) or does not use insulin well (type 2, more common) to metabolize sugar, an important source of fuel for your body.

Prescription Treatments: Diabetics use a range of prescribed products to test and control their blood sugar levels. Type 1 diabetics use insulin, usually delivered via injection or pump. For type 2, medication types include Sulfonylureas, Meglitinides, Thiazolidinediones, DPP-4 inhibitors, GLP-1 receptor agonists. SGLT2 inhibitors. 
In addition, doctors often prescribe blood pressure and cholesterol-lowering medications to help prevent complications from heart and blood vessel disease.

__Erectile Dysfunction –__ Erectile dysfunction (["ED"](https://www.urologyhealth.org/urologic-conditions/erectile-dysfunction ""ED"")) is the most common sex problem men report to their doctors. ED is defined as trouble getting or keeping an erection that's firm enough for sex. It can occur when the blood flow in the penis is limited or nerves are harmed or due to stress or emotional reasons. However, ED can also be an early warning of a more serious illness such as heart disease, high blood pressure or diabetes. 

Prescription Treatments: Oral medications are the most often prescribed solution for many men. They enhance the effects of nitric oxide — a natural chemical your body produces that relaxes muscles in the penis and increases blood flow. 

__Heartburn/Ulcers –__ Digestive distress can ruin an evening, or it can become a regular concern. When excess stomach acid backs up, it can cause chest pain and make sleeping (or other life activities) difficult. It can also be a signal of something more serious going on. [Heartburn](https://www.mayoclinic.org/diseases-conditions/heartburn/symptoms-causes/syc-20373223 "Heartburn") that occurs frequently and interferes with your routine is considered gastroesophageal reflux disease (GERD). Left untreated, GERD can seriously damage your esophagus or lead to precancerous changes in the esophagus.

[Ulcers](https://www.mayoclinic.org/diseases-conditions/peptic-ulcer/diagnosis-treatment/drc-20354229 "Ulcers") are open sores that develop on the inside lining of your stomach and the upper portion of your small intestine. The most common symptom of a peptic ulcer is stomach pain. Heartburn can also be a symptom.

Prescription Treatments: There are two types of medications to promote healing from excess acid. Proton pump inhibitors (PPIs) reduce stomach acid by blocking the action of the parts of cells that produce acid.  Acid blockers, aka histamine (H-2) blockers, reduce the amount of stomach acid released into the digestive tract, which relieves ulcer pain and encourages healing.

In addition to the above, treatment of peptic ulcers involves antibiotics to kill off the H. pylori bacterium in your digestive tract. 

__Heart disease/High blood pressure –__ [Heart Disease](https://www.mayoclinic.org/diseases-conditions/heart-disease/symptoms-causes/syc-20353118 "Heart Disease") describes a range of conditions that affect your heart. Diseases in this category include blood vessel diseases, such as coronary artery disease; heart rhythm problems (arrhythmias); and heart defects you're born with (congenital heart defects), among others.

[High blood pressure](https://www.mayoclinic.org/diseases-conditions/high-blood-pressure/symptoms-causes/syc-20373410 "High blood pressure") is a common condition in which the long-term force of the blood against your artery walls is high enough that it may eventually cause health problems, such as heart disease.

Blood pressure is determined both by the amount of blood your heart pumps and the amount of resistance to blood flow in your arteries. The more blood your heart pumps and the narrower your arteries, the higher your blood pressure. You can have high blood pressure (hypertension) for years without any symptoms. Even without symptoms, damage to blood vessels and your heart continues and can be detected.

Prescription Treatments: There is a wide range of drugs which help people keep their heart pumping and protected from further damage. Your doctor will prescribe the best medication based on the nature and severity of your heart disease.  
To control high blood pressure, specifically, here are the most common types of drugs prescribed:
- Thiazide diuretics (often the first, but not the only, choice in high blood pressure medications) 
- Angiotensin-converting enzyme (ACE) inhibitors
- Angiotensin II receptor blockers (ARBs)
- Calcium channel blockers
- Alpha blockers
- Alpha-beta blockers
- Beta-blockers
- Aldosterone antagonists
- Renin inhibitors
- Vasodilators
- Central-acting agents

__High Cholesterol –__ Another relative of (or precursor) to heart (also called coronary) disease is [high cholesterol](https://www.heart.org/en/health-topics/cholesterol/hdl-good-ldl-bad-cholesterol-and-triglycerides "high cholesterol"). Cholesterol is a waxy substance found naturally in your arteries. There are two kinds: “good” (HDL) and “bad” (LDL). LDL cholesterol is considered “bad” because it contributes to fatty buildups in arteries (atherosclerosis). This condition narrows the arteries and increases the risk for heart attack, stroke and peripheral artery disease, or PAD.

High cholesterol occurs when the bad outweighs the good. It’s all about the ratio of good vs. bad. Medications can be used to help lower the LDL “bad” cholesterol or to increase your HDL (“good”) cholesterol.

Prescription Treatments: The most common drug type is statins.

__Infections –__ Infection is the invasion of an organism's body tissues by disease-causing agents, their multiplication, and the reaction of host tissues to the infectious agents and the toxins they produce. Infectious disease, also known as transmissible disease or communicable disease, is illness resulting from an infection. Virtually every organ and system within the body is susceptible to infection. [There are many common and some not-so-common infections.](https://kidshealth.org/en/parents/infections/ "There are many common and some not-so-common infections.") While some infections heal quickly, others are chronic and require lifelong treatment. 

Prescription Treatments: [There are as many types of drugs as there are infections.](https://www.mayoclinic.org/diseases-conditions/infectious-diseases/diagnosis-treatment/drc-20351179 "There are as many types of drugs as there are infections.") Bacterial, fungal, viral and parasitic infections all have specific types of drugs to combat them. Depending on the location of the infection, these agents can be applied topically or given orally. 

__Pain/Inflammation –__ [Inflammation](https://www.webmd.com/arthritis/about-inflammation#1 "Inflammation") is a process by which the body's white [blood cells](https://www.webmd.com/heart/anatomy-picture-of-blood#1 "blood cells") and substances they produce protect us from infection with foreign organisms, such as bacteria and viruses. However, sometimes the body's defense system -- the immune system -- triggers an inflammatory response when there are no foreign invaders to fight off.  [Autoimmune diseases](https://www.webmd.com/a-to-z-guides/autoimmune-diseases "Autoimmune diseases") occur when the body's normally protective immune system causes damage to its own tissues.

Prescription Treatments: Nonsteroidal anti-inflammatory drugs (NSAIDs) are medicines you can take for pain relief. By reducing the level of prostaglandins in your body, NSAIDs help relieve pain from inflammatory conditions like arthritis. They also help reduce inflammation (swelling) and prevent blood from clotting.

In the traditional NSAID category, you may be familiar with naproxen, piroxicam, indomethacin or tolmetin, to name a few. Other types of drugs available to help decrease joint pain, swelling and inflammation, and possibly prevent or minimize the progression of inflammatory disease include:
- Corticosteroids (such as prednisone) 
- Antimalarial medications (such as hydroxychloroquine)
- DMARDs (disease-modifying antirheumatic drugs)
- Biologic drugs 

__Sleep disorders –__ [When you have trouble](https://www.ncbi.nlm.nih.gov/pmc/articles/PMC181172/ "When you have trouble") falling asleep or staying asleep, or waking up too early, you likely suffer from [insomnia](https://www.sleepfoundation.org/insomnia/what-insomnia "insomnia"), the most common sleep disorder. The most Transient (passing) insomnia is extremely common. It’s usually related to stress and passes on its own). Chronic insomnia affects 15 percent of the population.

Prescription Treatments: There are [five classes of drugs](https://www.pharmacytimes.com/contributor/uri-anderson-pharmd-candidate-2016/2016/01/5-drug-classes-for-sleep-disorders) commonly prescribed to help those suffering from insomnia.

Persons with these medical conditions should talk to their doctor about a treatment plan and appropriate prescription treatments,  and take any medicine prescribed as directed by their doctor or health care provider. 

The goal of Inside Rx is to help people living in Puerto Rico (and elsewhere) is to do that more affordably.

__Save Money with Prescription Drug Discount Cards __

If you’re searching for ways to get necessary medication for a lower price, here’s a solution thousands of Puerto Ricans use every month: the Inside Rx® prescription drug discount card. Inside Rx, the card administrator, negotiates prices directly with drug manufacturers, and major pharmacy chains in Puerto Rico accept these cards. 

Eligible persons can simply download the discount card and present it to your pharmacist to obtain the discounted rate on brand name and generic drugs. 

Why pay more for the drugs you need to get healthy and maintain good health? [Learn more](https://insiderx.com/savings-card-terms) and [download your card](https://www.insiderx.com/card) today.



If you live in Puerto Rico, the conditions listed below may be very familiar to you.

Puerto Rico Pharmacy Savings

Puerto Rico's Top Medical Conditions (& How to Save on Necessary Medications)

Puerto Ricos top medical conditions

Summertime is celebrated across America with brews, BBQs and of course, fireworks. And while kids and adults alike may love to see the light shows in the sky, many pets are hiding in a corner somewhere dreading the loud boom that accompanies the beautiful displays. It’s important to keep in mind that our furry friends don’t always enjoy the summer firework festivities we’ve come to know and love. According to a study published in the journal Applied Animal Behaviour Science, 45% of dogs have a fireworks phobia.

Many animal shelters around the country cite the summer as their busiest time of the year with an influx of lost animals who have fled from the startling sound of fireworks and firecrackers. The loud noises can cause panic and severe anxiety, which show in a variety of symptoms including: excessive barking, pacing, restlessness, panting and more. 

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| [![Price Your Pet's Medication](//images.ctfassets.net/f0k4mcg36819/5Rmi81GKbkk8ZbA7eGBWQJ/dfd62ec148f16a905f15b2133aae17c7/CTA-PricePetsMedication-English-optimized.jpg)](http://insiderx.com/pets)|

Pet parents try everything from expensive noise-canceling headphones to trendy weighted clothing for pets, but sometimes it just isn’t enough. How can you enjoy one of America’s favorite pastimes without frightening your furry friends or breaking the bank? 
If your pet is prescribed medication to help ease anxiety around loud noises, such as SSRI’s (Selective serotonin reuptake inhibitors) or antidepressants, you may be seeing dollar signs already.  If so, you may be barking up the wrong tree. Using the Inside Rx card, you may be able to save up to 70%* on certain generic human medications that are commonly prescribed for pets. 


It’s easy as “sit, stay, good boy!”

Just go to [insiderx.com](https://www.insiderx.com) and search for your pet’s prescription and for any available Inside Rx discounts. When you find one, download your unique savings card (just make sure you choose the one for pets). Now all you need to do is show the pharmacist your prescription savings card to save big on your fur baby’s medication.  That’s more money in your pocket to spend on your big celebration, and that’s quite a treat! 
Inside Rx wishes everyone a safe and happy summer and reminds you to make sure your pets are prepared for all of the festivities to come!


[Get your pet savings card today!](https://insiderx.com/card)




How can you enjoy one of America’s favorite pastimes without frightening your furry friends or breaking the bank?

How To Get Dog Anxiety Medication Over The Counter

Fireworks and Pet Anxiety

summer fireworks

Prescription medication is necessary for a large percentage of the population and many Puerto Ricans have at least one family member with a chronic medical condition. Even if you’re healthy today, infections and illnesses, not to mention accidents — can occur at any time. There are even instances when family pets need medication and the costs of these medications can really add up. 

If you have insurance, necessary medications may not be covered, or the copay may be high. For those without healthcare insurance prescription prices can sometimes be unaffordable. In both cases, prescription discount cards are a great solution.

### How Prescription Drug Discount Cards Work
Prescription drug discount cards like Inside Rx can allow you to save money on prescriptions and to pay a reduced rate for prescription drugs. Inside Rx negotiates prices directly with drug manufacturers. 

Many of the major pharmacy chains in Puerto Rico accept these cards, making it likely that your preferred neighborhood pharmacy participates.  Check participating pharmacies that accept the Inside Rx discount card at [https://insiderx.com/pharmacies](https://insiderx.com/pharmacies "https://insiderx.com/pharmacies") .


To use the Inside Rx card, eligible users simply download the card, carry it with them (in a physical wallet or their phone’s mobile wallet) and present it to their pharmacist to obtain the discounted rate. You use the same card every time – it’s not a coupon.  [See more information and use terms here.](https://insiderx.com/savings-card-terms "See more information and use terms here.")

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### Common FAQs

*• Is there a cost associated with downloading the card?* 

  The Inside Rx card is free to you – it does not come with a fee to use. 
  
*• Can the Inside Rx prescription drug discount card be used as insurance?*

  No. The card is not insurance or associated with any insurance program (government or   private). The Inside Rx discount card also cannot be used with insurance. 
	
  You’ll want to check on any eligibility requirements before using the card. For example, people covered by federal or state funded benefit plans (i.e., Medicare,     Medicaid, Tricare), or those 65+ may are restricted from using the card to purchase     specific drugs.
  
*• How much can I save?*

  On average, Puerto Ricans can expect to save 58% off the pharmacy’s retail price. 
  To determine the best prescription discount card for your needs, try doing a search     for a specific drug and dosage and see what comes up. You can do a “price medication”   search right on the card provider’s website, or have a participating pharmacist look   up your savings for you once you present your prescription discount card.  
	
  Whether you look up the price yourself or you ask your pharmacist for assistance,       shopping with 	your prescription discount card may save you money on prescriptions     for you and your pets. 
 
  
### Discount Cards & Pet Prescriptions
 
The best prescription drug card is the one that helps you save on all your family’s prescriptions. Typically, the discount cards offered in Puerto Rico are going to be competitive on the discounts for human prescriptions. However, if you have a sick pet in your household, you’ll be happy to know there’s a [special pharmacy discount card just for pets,](https://insiderx.com/card "pharmacy discount card just for pets,") which can be used to fill human medications commonly prescribed for pets. It works just the same as the one for your other family members and can save you money on treatment for your fur babies. 

### Save Money on Your Prescriptions

Whenever your doctor (or veterinarian) prescribes medication for a family member or pet, present your prescription discount card at a participating pharmacy and see if you can save up to 60% off the retail cash price. 

To see if you can save big on your family’s prescriptions without insurance (or even if you have insurance) – read more here, and [download your card(s) now.](https://insiderx.com/card "download your card(s) now")



On average, Puerto Ricans can expect to save 58% off the pharmacy’s retail price.

How Puerto Ricans Can Save Money on Their Prescriptions

It’s here! The holiday celebrated across America with brews, BBQs and of course, fireworks. And while kids and adults alike may count down to the light show in the sky, many pets are hiding in a corner somewhere dreading the loud boom that accompanies the beautiful displays. It’s important to keep in mind that our furry friends don’t always enjoy the Independence Day festivities we’ve come to know and love. According to a study published in the journal Applied Animal Behaviour Science, 45% of dogs have a fireworks phobia.

Many animal shelters around the country site July 4th and 5th as two of their busiest days of the year with an influx of lost animals who have fled from the startling sound of fireworks and firecrackers. The loud noises can cause panic and severe anxiety, which show in a variety of symptoms including: excessive barking, pacing, restlessness, panting and more. 

|  |
| ---------- |
| [![Price Your Pet's Medication](//images.ctfassets.net/f0k4mcg36819/5Rmi81GKbkk8ZbA7eGBWQJ/dfd62ec148f16a905f15b2133aae17c7/CTA-PricePetsMedication-English-optimized.jpg)](https://insiderx.com/pets)|

Pet parents try everything from expensive noise-canceling headphones to trendy weighted clothing for pets, but sometimes it just isn’t enough. How can you enjoy one of America’s favorite pastimes without frightening your furry friends or breaking the bank? 

If your pet is prescribed medication to help ease anxiety around loud noises, such as SSRI’s (Selective serotonin reuptake inhibitors) or antidepressants, you may be seeing dollar signs already.  If so, you may be barking up the wrong tree. Using the Inside Rx card, you may be able to save up to 70%* on certain generic human medications that are commonly prescribed for pets. 


## It’s easy as “sit, stay, good boy!”
Just go to [insiderx.com](https://www.insiderx.com) and search for your pet’s prescription and for any available Inside Rx discounts. When you find one, download your unique savings card (just make sure you choose the one for pets). Now all you need to do is show the pharmacist your prescription savings card to save big on your fur baby’s medication.  That’s more money in your pocket to spend on your big celebration, and that’s quite a treat! 
Inside Rx wishes everyone a safe and happy 4th of July and reminds you to make sure your pets are prepared for all of the festivities to come!


[Get your pet savings card today!](https://insiderx.com/card)




It’s important to keep in mind that our furry friends don’t always enjoy the Independence Day festivities we’ve come to know and love. 

4th of July and Your Pets

(BPT) - These days, health care can seem more complicated than ever. With rising premiums and different levels of coverage, health care costs can be confusing.
To know what you can afford when it comes to wellness visits, urgent care and prescriptions, here are some simple ideas that could help.

1. Get informed. If you have health insurance, make sure you understand what’s covered, especially if you are diagnosed with a chronic condition such as diabetes, high cholesterol or hypertension. If something is not clear or you are unsure about what’s covered, call your insurance carrier and make sure they provide you with the answers you need.

2. [Save on your prescriptions](https://insiderx.com/card "Save on your prescriptions"). If you are uninsured, or your insurance doesn’t cover certain prescription medications, an Inside Rx card may be an option for you. The card is not insurance but is a free discount prescription card that helps lighten some health care costs for consumers. The card provides an average savings of 40 percent off select brand prescription medications and 80 percent off generic medications for eligible users. There’s even a card for your pet’s prescriptions. Next time you’re picking up a prescription, just download the card on your phone — no app required — and show it to your pharmacist to see if you can benefit and how much you could save. Eligibility requirements and a complete list of the medications offered through the program can be found at InsideRx.com.

3. Shop around. Inside Rx can also help you find the best deal for your specific medication at a pharmacy close to you if you are using the discount card. With just a few clicks, you can see the pharmacy that offers the best deal in your area. Also, discuss with your doctor if switching to a generic medication is an option for you; this could save you money when purchasing your medications.

4. Utilize your provider’s online platform. If your healthcare provider offers an online medical records system, log in and check to make sure you are up to date on vaccines, boosters, wellness visits and screenings. Check your insurance coverage before scheduling, but don’t delay on any of these, as the cost to your wallet and your health could be greater if issues are left untreated. Identifying problems early keeps you healthy and saves you money down the road.

5. Take advantage of wellness plans. If your employer offers a wellness plan, participate! You may get perks such as partial coverage of gym memberships with some employers’ plans. Talk to your employer’s human resources office about health care savings or other plans that may be available to save you out-of-pocket costs. Don’t be afraid to ask questions to make sure you understand how the plans work.

6. Don’t delay treatment. If you’ve been diagnosed with a condition that requires treatment or medication, don’t put off starting your treatment. Talk with your doctor about any financial concerns and see if you could save with a prescription savings card.

7. Plan for medical bills. Just as you would ask a mechanic to estimate the cost of service on your car ahead of time, don’t be afraid to ask providers what health care services will cost. Many providers will work with you to arrange a payment plan when a medical bill is not covered by your insurance, or if you are uninsured or have a high deductible. Don’t be afraid to negotiate!

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|[![See If You Can Save](//images.ctfassets.net/f0k4mcg36819/52bamRmbNiAPcLvzHNT0nv/3c4fa7777e5313e17c7d027468353342/CTA-SeeYouSave-English-optimized.jpg)](https://insiderx.com/search/people)|

Rather than waiting for issues to arise, take charge of your health care costs and plan ahead for your health care related costs. While you can't prepare for everything, you can give yourself every advantage by being informed, using the resources available and asking questions.



With rising premiums and different levels of coverage, health care costs can be confusing. To know what you can afford when it comes to wellness visits, urgent care and prescriptions, here are some simple ideas that could help.

Ways To Save On Pharmacy Costs

7 Ways to be Proactive About Your Health and Health Care Costs

These days, health care can seem more complicated than ever. With rising premiums and different levels of coverage, health care costs can be confusing.

7 Ways to be Proactive About Your Heath and Health Care Costs

As Americans work hard to meet all the obligations that come with work, family and everyday life, many are challenged to find time to manage all the financial elements affecting their health care.

The details associated with health care insurance can be confusing. At the same time, you want to make smart decisions about the quality health care you and your family need.

Out-of-pocket health care spending rose by more than 50 percent between 2010 and 2017, The Atlantic recently reported, partly because half of all health insurance policyholders in the U.S. are dealing with annual deductibles of at least $1,000.

Whether you're uninsured or simply facing a high insurance deductible, you can take several steps that could help you [save on prescriptions](https://www.insiderx.com/) and generally, better manage your health care budget. Consider how the following money-saving tips could help control the rising costs of health care.

## Read bills with a critical eye.
Any bill can include administrative errors, and some estimates have indicated errors on as many as 80 percent of medical invoices issued, reports the Medical Billing Advocates of America. That statistic makes it well worth your while to examine and question your expenses before you pay. 

## Lower the cost of your meds.
The free Inside Rx prescription savings card provides discounts on prescription medications for eligible patients. According to the data, eligible patients have saved an average of 40 percent on the more than 100 featured brand medications included in the program, and even more on generic medications. The Inside Rx card could be an option to help people save on prescriptions without insurance, as well as help those facing high deductibles or anyone trying to save money on their meds. Inside Rx even offers prescription savings for pets for qualifying medications. The card is free and easy to download, with no registration process. See for the [Inside Rx FAQ page](https://www.insiderx.com/faq) for more information.

## Compare costs whenever possible.
Some medical services can be difficult to compare on an apples-to-apples basis, but it’s worth doing your homework before making appointments for more standard services such as annual check-ups, lab work and testing, dental care or dermatology services. Check vendor websites, make phone calls and conduct web searches to find online databases, such as HealthcareBluebook.com that suggest fair prices for services. If you're insured, your insurance provider can clarify what portion of the bill will be covered.

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| [![Price your medication](//images.ctfassets.net/f0k4mcg36819/7MMKTfTLde2nW6k1cFszqj/4798960fb33a8f1a556069f43bcac816/CTA-PriceMedication-English-optimized.jpg)](http://insiderx.com/search/people)|


## Be bold about negotiations.
It's OK to speak up. You have nothing to lose by politely asking your health care provider to work with you on the price of an upcoming service, especially when dealing with a private practice. Start the conversation by aiming for the Medicare rate or an amount close to that paid by commercial insurers. As an alternative, ask the office administrator to set up a manageable payment plan.

## Consider paying cash up front.
Some vendors offer discounts for simply paying cash for your services. Even if you're insured, you can still evaluate whether immediate cash payments would be lower than your post-insurance costs. If you go outside of your benefit and use the Inside Rx card, the cost of your medication may not apply toward your deductible or other cost sharing requirements. Before using the Inside Rx card, check your insurance benefit because it may provide greater savings than the Inside Rx card.

Keeping a close eye on where you might be wasting money on health care can pay off in a big way — and the remedies don’t have to be complicated. Conduct your due diligence on such costs to see if you could [save on prescriptions](https://insiderx.com/card) even if you are without insurance and protect your financial health as vigorously as your physical health.

Keeping a close eye on where you might be wasting money on health care can pay off in a big way — and the remedies don’t have to be complicated.

Healthcare Hints: 5 Tips to Save on Prescriptions Without Insurance 

5 Healthcare Hints

Weekly health tips and information about discounts on prescription medications from InsideRx.

Inside Rx - Find Out How to Get Prescription Savings

Start saving on Brand medication today with Inside Rx.

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