4️⃣ Ways to Save Money on Healthcare

When it comes to healthcare costs, there are a few simple things you can do to make sure you pay only what you owe... [Shield] AN OXFORD CLUB PUBLICATION [Liberty Through Wealth]( [View in browser]( SPONSORED [Billions Pouring Into the Next Big Industry]( Major investors are taking note - and the legend who bought Amazon at $48 and Apple at $0.35 is [pounding the table on one $2 stock](. EDITOR'S NOTE Chief Income Strategist Marc Lichtenfeld has an urgent message for investors... He's spotted an opportunity in the healthcare sector that's so compelling [he has recorded a must-see message for Liberty Through Wealth readers](. [Tune in here]( and you'll see why he is giving away the ticker symbol of the company behind this miracle drug... for free! But I must warn you... do NOT hesitate. On September 6, Marc will be positioning himself for [a major catalyst that should boost the stock]( - and you can get a head start! [Here's what you need to know to position yourself for a potential windfall.]( (There's no time to waste! This presentation will be taken down at midnight ET! Don't miss it - [go here]( - Nicole Labra, Senior Managing Editor THE SHORTEST WAY TO A RICH LIFE [Four Ways to Save Money on Healthcare]( [Marc Lichtenfeld | Chief Income Strategist | The Oxford Club]( [Marc Lichtenfeld]( "You need to pay $500 today," the voice on the phone demanded. It was 7:30 in the morning. I was in a hospital room with my son, who was 6 at the time. He'd just been admitted after spending all night in the emergency room. I was exhausted, stressed and not thrilled about having to deal with a financial transaction. I told the woman from the billing department that the hospital had my insurance information, and I would pay anything that wasn't covered after the bill was submitted to my insurer. She insisted I had to pay a $500 deposit immediately. "Are you going to throw my son out of the hospital if I don't pay you $500 today?" I snapped, already knowing the answer to the question. After a long pause, she said no. "Then bill my insurance company," I said as I hung up. It wasn't the last time I battled a healthcare worker over money they said I had to pay. SPONSORED [Cure for RED in Your Portfolio?]( [Downward Trend]( If you are looking at nothing but red right now... A former CBOE trading legend wants to help you. During the COVID Crash... he showed members 246% total gains while the S&P was DOWN 20%. Now he's teaching a FREE LESSON revealing how BIG market volatility can make you even BIGGER gains. [He's Going LIVE Today - Click Here to Join Him FREE!]( Recently, the receptionist at my doctor's office told me I had to pay $471.25 for a 10-minute visit. I told her to bill my insurance company - I'd pay anything I owed after that. While we bickered, she fiddled on her computer. After a few minutes, she exclaimed, "Oh, it looks like you don't owe anything. Your insurance will cover it all." Getting [healthcare treatment]( for yourself or a loved one is stressful. Complicated costs and insurance policies make it even more so. Had I given in and paid the hospital or the doctor when I didn't need to, I would have had to wait for a refund from my insurance company. At best, it would have been processed automatically - though the payment would have taken months to arrive. At worst, I would have had to keep track of all of the paperwork and contact my insurer myself. Copays are due at the time services are rendered. But any other charge should be billed to you or, if you have insurance, to your insurance company. When it comes to [healthcare costs]( there are a few simple things you can do to make sure you pay only what you owe... and sometimes even less. - Refuse to pay anything other than a copay until your healthcare provider bills you or your insurance company. That said, you should pay bills when you receive them. If you have a history of being late, providers may rightfully insist you pay something before seeing a doctor. - Go over the bill, especially if it's from a hospital. Hospital bills are notoriously filled with errors. If a hospital charged you $47 for Tylenol, be certain you actually got the Tylenol. If you were charged $500 for a test, make sure you received the test. - Ask the doctor for a discount. If you're paying out of pocket or have a high deductible, request a lower charge in return for paying upfront. Many providers will let you do this, especially if it means they don't have to submit paperwork and wait for payment from your insurance company. - Ask the doctor for free samples of medicine. Pharmaceutical reps give doctors lots of free samples. If your medication will be costly, your doctor should be happy to give you any free samples he or she has in stock. When my son was 17, we took a trip to the emergency room for a dog bite. (It was nothing, and he was fine.) They gave him a Band-Aid and sent us on our way. I went over that bill extremely carefully. I felt bad for the billing clerk who had to deal with me. But I was going to pay only what I owed. You wouldn't give in to an aggressive used-car salesman who was pushing you to spring for silly upgrades or an extended warranty. Don't let yourself get shoved around by the billing clerks in a doctor's office or hospital, either. Push back and advocate for yourself. Good investing, Marc P.S. There's no sugarcoating it... Healthcare is expensive. In America, diseases linked to just one condition cost us an astounding $1.72 trillion per year! But that may be changing - fast - thanks to a new treatment. In just two weeks, [I'll be entering a special play on this breakthrough that I believe could be the single biggest win of my career](. And you can join me. [Find my presentation with the full details here.]( [Leave a Comment]( [IU 2024]( WEALTH OPPORTUNITIES - [How to Invest in the Healthcare Sector]( - [This Fast-Growing Food Services Stock Is in a Perfect Position to Thrive]( - [Alexander Green Reveals the ONE Stock He's Invested $100K in Right Now. Click Here to Find Out.]( - [Alexander Green Just Discovered a Little-Known Stock That He Believes Could Be the "Next Great American Super Stock," Following in the Footsteps of Legendary Stocks Like Lululemon, Amazon and Green Mountain Coffee. 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