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Home > Fitness & Health > Health Library > Better Care at Lower Costs
Good health care doesn't just happen. You have to do your part. Taking an active role in your health care is the best way to make sure you get great care and reduce costs at the same time.
It is likely that you will be faced with one or more of the following health decisions at some time. Use the skills described in the topic Making Wise Health Decisions to help you compare your options and decide if the services or treatments in question are right for you. Try to find out how much you'd have to pay for the care you are considering. If you have health insurance, find out if your plan pays more of the medical care costs if you go to a certain doctor or facility.
If your symptoms and the guidelines in this website suggest you should see a doctor, don't put it off. Ignoring problems often leads to complications that are more expensive to treat.
Make sure you understand how any medical test will help you before you agree to it. For instance, ask your doctor if the test results would change how your health problem needs to be managed. Think about your willingness to have treatment or make lifestyle changes if you tested positive for a health problem. The only good reason to do a test is because the benefits to you outweigh the risks and costs. No test can be done without your consent. For more information, see the topic Smart Decisions: Know Your Options.
Medical tests are expensive. If you need a test, do your part to make sure that you do not have to repeat it. The tips below can make a big difference:
Always ask your doctor about prescription and over-the-counter medicines that you think you want to take. Find out if there are generic options. Ask what would happen if you chose not to take a medicine and whether there are alternatives to taking medicine. For more information, see the topic Smart Decisions: Know Your Options.
Review the questions to ask about surgery in the topic Smart Decisions: Know Your Options. Get as much information about the surgery as you can, and consider your needs and values. Seek a second opinion. If you are not convinced that the benefits to you outweigh the risks and costs, don't have the surgery.
Hospital emergency rooms (ERs) are set up to focus on medical emergencies. They are not set up to focus on routine health care. If you go to the ER for a problem that is not an emergency:
Go to the ER if you think you are having a medical emergency. That's what the ER is for. Otherwise, call your doctor's office first, or go to a walk-in clinic. It will save you money and time.
There are few clear rules about what is an emergency and what isn't. Most doctors would agree on a short list of problems that should always be treated as emergencies— heart attack symptoms, not being able to breathe, severe and uncontrolled bleeding, stroke symptoms, and a few others.
Most health problems are not emergencies. You may want to take care of the problem right away because you feel sick or uncomfortable, but nothing bad is going to happen to you if you wait a bit. Then again, you don't always know that for sure. Some problems that seem minor can become serious if you ignore them. And it may be even harder to know what to do when a child is sick.
One good question to ask yourself is, "Am I thinking about going to the ER because it's convenient or because it's necessary?" If you are choosing the ER because you can get in without an appointment, keep in mind the high price you will pay for that convenience. You may also have to wait a long time before you are seen by a doctor. And you may have other options. You can always call your doctor's office or a nurse line for help.
If you think you are having a medical emergency, call 911 or other emergency services immediately or go to the ER.
If you don't think the problem is an emergency:
Walk-in clinics are often called "minor emergency," "urgent care," or "immediate care" centers. They deal with all kinds of health problems and are often open in the evenings and on weekends. You do not need an appointment.
These types of clinics can be a great option when:
Care at a walk-in clinic costs a lot less than care for the same problem at an ER.
If it turns out you are having a true medical emergency, a walk-in clinic will send you to the ER.
Unless you have a walk-in clinic in your neighborhood or already know where one is, it may be hard to find one when you need it. So at your next doctor visit, ask your doctor to recommend one. Check with your health plan to see if it offers better coverage at some clinics than others.
If you need inpatient care, get in and out of the hospital as quickly as possible. This will reduce costs and your risk of hospital-acquired infections. For more information, see Navigating Your Hospital Stay. To avoid extra days in the hospital, you may be able to bring in extra help at home. Ask about home nursing services to help while you recover.
If you have a terminal illness, hospitalization may not be your only choice. Many people choose to spend their remaining time at home with the people they know and love. Special arrangements can be made through hospice care programs in most communities. For more information, see the topic Hospice Care.
Specialists are doctors who have in-depth training and experience in a particular area of medicine. For example, a cardiologist has years of special training in dealing with heart problems. A visit to a specialist often costs more than a visit to your regular doctor, and the tests and treatments that you receive may be more expensive and invasive. Of course, specialists often provide the information you need to help you decide what to do about a major health problem and can perform certain procedures not available through your primary care doctor. For more information about specialists, see the topic Medical Specialists.
If you think you need to see a specialist but you have not been referred to one, discuss your concerns with your primary care doctor. When you do have a referral to see a specialist, a little preparation and good communication can help you get the most out of your visit. Before you go see a specialist:
Other Works Consulted
Anspaugh DJ, et al. (2011). Becoming a responsible health care consumer. In Wellness: Concepts and Applications, 8th ed., pp. 453–484. New York: McGraw-Hill.
Current as of:
August 22, 2019
Author: Healthwise StaffMedical Review: Anne C. Poinier MD - Internal MedicineAdam Husney MD - Family Medicine
Current as of: August 22, 2019
Author: Healthwise Staff
Medical Review:Anne C. Poinier MD - Internal Medicine & Adam Husney MD - Family Medicine
To learn more about Healthwise, visit Healthwise.org.
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