10 ways to protect your self from bankruptcy caused by prolonged illness

Accidents and illnesses can be a long tube and emotionally and financially. Sometimes the money crisis is caused by the inability to remain at work, or when the medical bills of the scale and it becomes increasingly difficult to balance costs.
In addition, insurance may be insufficient or does not cover long-term medication. Life has become such that you have to think and expect the unexpected.
Experts recommend the following:
1. Ask your doctor for samples of drugs.
2. Often, the former drug is effective and less expensive. Ask your doctor to write a prescription for a drug that is more affordable. According to research, you can save up to 75% of the way.
3. Find the generic name of the drug and decided to buy it instead of branded drugs --- can gain up to 70%.
4. Very often companies sell higher dosages of medication for a slightly higher cost. Be careful, you can buy the higher dosage and spilled the treatmenthalf, third or fourth. Savings you can make about 50%.
5. To 90-day supply of bulk mail discounts from pharmacies or online services. Significant cost savings, and many doctors turn saving patients long-term costs, putting patients distributors.
6. If a drug is very expensive ask your doctor to recommend a replacement. This is called therapeutic substitution.
7. Try comparison shopping. You will find that the same drug costs differently in local pharmacies, online shopping and chain stores. Online pharmacies as http://www.walgreens.com/, www.costco.com, or http://www.drugstore.com/ offer medications at affordable prices.
8. There are several assistance programs that offer patients medication free or at reduced prices for those who can not afford a long illness. Companies such as Merck have programs that will benefit uninsured patients. Drugs benefit from a reduction of 10-40%.
9. If you or a family member travels frequently, you can buy drugs abroad. Often the same drug produced by the same company, much cheaper abroad. You can also send order drugs from Canada, where drugs are 30-50% less than in the United States. But do not check the laws before trying.
10. Start saving health, where you can store pre-tax dollars for unexpected medical expenses. It has a high deductible. To find out if you or other family members are eligible.
Use an insurance broker who is always thinking about you. It should keep you informed of any new developments regarding health plans are concerned and make sure you reap the benefits of insurance. You might also consider the main political disease in addition to regular health insurance.