Health Costs

How to Find Affordable Massage Therapy

When people hear “massage” they either think of an overpriced spa or the kind that comes with a happy ending. You may be surprised to learn that you can find affordable massage therapy without visiting the red light district. I did just that and am very pleased with the results. I was in a car accident several years ago and my neck never fully healed. Every year or two…
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Budgeting for Disability Leave

My husband has been on surgery disability for several weeks now and we’ve learned a few surprising things about the process, the first of which is that it’s really not that much of a financial strain. Of course, we earn more than we spend, so it might be more difficult for families that are on the edge. Total Reduction in Income My husband’s income, after taxes, is reduced…
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Check Medical Bills to Save Money

As I mentioned yesterday, I was overcharged when I visited the eye doctor in November. Fortunately, I listened carefully when the doctor explained his pricing and then double-checked the receipt when I got home. Something similar happened just last week after my husband visited the emergency room for stitches in his finger. Those two errors could have cost us $304, but I’m super-vigilant when it comes to making sure my…
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Budget for Health Expenses

Even if you have insurance, health expenses can surprise you. Last year I used my vision insurance to visit the eye doctor for new contacts and glasses. I went in accustomed to paying around $200 a year for those expenses. I left with a $900 charge on my credit card (partly due to error and party because I switched to the “Rolls Royce” of contact lenses.) I checked…
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How to Cope with a Spouse or Child’s Hospitalization

As I mentioned earlier, my husband was scheduled for surgery last week (hence my absence from the blog.) Even though we were pretty prepared, it’s been quite the learning experience nonetheless. Here are some tips I’ve learned along the way. Warn Colleagues Ahead of Time Obviously this tip is only if you know your spouse or child is scheduled for hospitalization. I kept my team members, bosses, and…
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Start Your Fitness Goals Now

I’ve been a long-time gym-goer, but my visits have been known to drop-off in January. Not because I’m lazy, but because the gym is ridiculously crowded at the beginning of January. The gym returns to its regular levels by the end of January. Here are a few more reasons why you should wait until the end of January to start your fitness goals. Swimsuit Season is Closer Sometimes…
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Spend Down Your Flexible Spending Account Before Year-End

If you have a flexible spending account that operates on a calendar-year, then you need to make sure you’ve spent down the entire balance by December 31. Any funds left in the account will vanish on January 1. Here are some tips for spending down the balance in the last few weeks of the year. Visit the Doctor, Dentist, Etc. Co-pays and doctor fees qualify as flexible spending account expenses.…
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Cheap and Reliable Birth Control Methods

This post is for the ladies. Men really only have one birth control method available to them: condoms. Women have many more options available, but as most women can tell you, birth control isn’t typically cheap. If you want to save a little money without risking parenthood (or another child), here are some cheap birth control options that are also reliable. Generic Birth Control Pills If you can…
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Is Breastfeeding Really Free?

There are many benefits to breastfeeding. The main one is the health of the baby. A secondary benefit is faster weight loss for the mom, in most cases. Often, you’ll also hear the cost savings touted. Formula costs around $30 a can, and a newborn goes through a can week. The costs rise from there as the infant starts to take in more formula, so formula costs $120…
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Decoding Your Health Benefits

I recently started receiving acupuncture. I knew that my insurance covered 12 visits a year. I checked the coverage and learned that my portion is a $15 co-pay for the office visit, and then 10% of the treatment. But that’s not how it worked out, and it’s taken several calls to get it sorted out. Reading the Benefits Website I started at the website. That’s where it said…
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