Thursday, May 23 2013 10:52 AM EDT2013-05-23 14:52:35 GMT
LOUISVILLE, Ky. (WDRB) -- Louisville Metro Police say someone was stealing yard signs Wednesday night. The thefts took place from yards near the corner of Baringer Avenue and Willow Avenue, near the intersectionMore >>
Louisville Metro Police say someone was stealing yard signs Wednesday night.More >>
Thursday, May 23 2013 11:33 AM EDT2013-05-23 15:33:46 GMT
LOUISVILLE, Ky. (WDRB) – Only three rookie pitchers in the National League have struck out more hitters than Tony Cingrani this season. He struck out 28 guys and walked four in his first three starts withMore >>
Tony Cingrani, Cincinnati's top pitching prospect, returns to start in Louisville Thursday. Rick Bozich also discusses the future for U of L baseball and former Cards hoops' star Terrence Williams.More >>
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From prescription drugs to x-rays--medical care is expensive. Financial expert Mark Lamkin from Lamkin Wealth Management gives the five ways you can spend less on health care.
Spend less on tests and x-rays
Different facilities charge vastly different prices for x-rays and tests. The average in-network cost of an MRI at a hospital tends to be twice the cost at an independent radiology facility. When doctors order a lab test or an x-ray, they write a requisition form, and just like a prescription, you're free to fill it at any facility. Many insurers offer Web tools that show costs for various facilities under your plan, and you can look up fair prices for medical tests at www.healthcarebluebook.com .
Spend less on emergency care
If you don't need to go to an emergency room, you can save hundreds of dollars by getting treatment at an urgent-care center or convenience-care clinic (such as Minute Clinic at CVS). Some insurers boost the coinsurance rate for non-emergency visits to the ER and waive the coinsurance payment entirely for convenience-care centers. Or you may be able to get free advice from your insurer's 24-hour nurse hotline.
Spend less on preventive care
Make the most of new laws that require insurers and Medicare to provide certain preventive procedures, such as blood-pressure and cholesterol tests, mammograms and colonoscopies, flu shots, routine vaccines and well-baby visits-without copays or deductibles (see www.healthcare.gov for the list). Plus, many employers offer incentives to participate in a healthy-living program -- for example, a discount on health premiums if you enroll in a tobacco-cessation program.
Health care spending accounts
Health care spending accounts let you designate the amount to be deducted from your salary each payday, starting at the begin-beginning of the year. For now, your employer sets the maximum amount you can contribute (in 2013, the maximum for all plans will be $2,500); your contributions avoid federal, state and local income tax as well as Social Se-Security and Medicare taxes. The money can be withdrawn as re-imbursement for qualified health ex-penses, such as co-payments, eyeglasses and contact lenses, and the cost of prescription drugs. (As of 2011, you can no longer use money in the account for nonprescription drugs.) If you don't use the money by the end of the plan year or, with some em-ployers, by March 15 of the following year, you lose what-ever's left in the account.
To learn more about saving on health care, click here.