Check your phone book or local hospital referral system for clinics in your area. Often, these are less costly options for simple medical problems you’d often see a doctor or visit the emergency room for, and that can get expensive.
Minor injuries, such as scrapes and strains, can be treated at urgent care clinics that are staffed by medical doctors. Minor infections, like a cut finger or ear infection can also be treated. Be reasonable, though. If it appears life threatening, go to the emergency room.
Dental Care
Often, dental visits can be more expensive than a trip to a medical doctor. If you need major work, there are credit agencies that will finance the work for you, and your dentist’s office can refer you to them.
A simple cleaning can wait, but not for too long. Limit your intake of sweets—including sugary soft drinks, and don’t forget to brush and floss twice a day.
Vision Care
If you wear glasses or contacts, there’s no escaping the need for an optometrist. If you wear contacts, you’ll have to go every year, no matter what.
If you just can’t afford to go, don’t prolong your contact wear. This can lead to serious infections. Wear your glasses instead. It may not be as convenient as contacts, (or as pretty as your colored contacts), but it’s a safe solution.
Optical shops often have sales around back-to-school time, or coupons in the Sunday paper. Watch for advertised promotions, or call around for price quotes. The optical industry has become very competitive, and some shops even offer financing on glasses.
Prescriptions
If you take prescription medicine for simple, non-life threatening conditions, such as allergies or congestion, talk to your pharmacist. Often, there are over-the-counter preparations he can suggest. Your pharmacist can advise you on the safety and effectiveness of OTC remedies.
Some drug companies are now advertising low-cost or even free medications for those in financial need. Check manufacturer websites, or talk to your pharmacist for more information. These programs can make a huge difference in cost for prescription medications you cannot live without.