How to Cut Your Health-Care Costs

Medical debt is the number one cause of bankruptcy in the United States. Thanks to these online tools and tricks, you can get the care you need for less.

Lower health care costs


The costs for appointments and procedures can be more flexible than you think.

Get a bid

You'd have no issue getting estimates from three handymen before fixing a sink, right? You can do the same with a physician if you're paying by cash or credit card (a possibility for those without health insurance or those with a high deductible). On you can enter basic health information and the type of doctor or procedure you need (a colonoscopy, say), then within about a week you receive bids from doctors who are willing to do the work. Many include testing and even follow-up visits in their fee because they still make more than they would from an insurer's reimbursement. Physicians' qualifications are listed on the site, but it's also a good idea to check for patient reviews on Yelp and After deciding to accept the offer, you can call the doctor directly to arrange your appointment. Note: MediBid charges $25 to submit your procedure for a bid, but that cost is usually more than offset by what you save overall.

Check on a cheaper option

If you have a recurring back or joint injury, ask the doctor whether an X-ray (cost: about $200) would yield the same information as a pricier MRI (about $900). It's also OK to inquire whether you need a procedure at all; see a list of treatments and practices that major medical-specialty organizations say might have little or no value (based on scientific research) at

Let your insurer help

Major insurers such as Aetna and United Healthcare now have Web tools that allow members to look up pricing for procedures and doctors in their area, so they can choose one with a lower cost—or set aside the appropriate amount in their flexible spending account (FSA) or health savings account (HSA) every year.

Don't stray by mistake

Although it's easy to pick a physician under your insurer's umbrella, you can unintentionally find yourself going out of network at the hospital. Even if the facility and surgeon are in network, your stay might include visits from an anesthesiologist and specialty doctors who aren't covered. Call the hospital ahead of time and ask who is covered, and request that you see only those doctors. Also, when there, you should ideally have a family member or patient advocate help you double-check, especially if you are medicated and not thinking clearly.

Think: location, location, location

The cost of a given procedure at different hospitals and medical centers near you might vary by thousands of dollars, and those differences usually aren't tied to medical outcomes. In Austin, Texas, for example, cataract surgery could cost anywhere from $3,500 to $13,000. Visit, which lets you see prices in your area (which are derived from Medicare data) and receive quotes from specific facilities for the work you need.

Pop into a clinic

Have a condition that's straightforward, such as pinkeye, strep throat or an ear infection? You often can get care for 30 percent to 50 percent less than you'd pay at your general practitioner's office by going to an in-store clinic, like those at CVS, Target and Walmart. (Bonus: You're apt to see someone that day, rather than having to make an appointment for later.) If you live in New York City, for example, going to your regular doctor for an earache would cost about $160, compared with $75 at CVS MinuteClinic. Retail clinics, which might accept insurance, are usually staffed by nurse practitioners, not MDs, so they aren't good for general checkups, chronic health conditions or very worrisome symptoms (like chest pain, which should send you to the ER). If going the retail-clinic route, ask for a record of your visit so you can bring it to your next visit with your GP.

Get a deeper discount

Ask the person at your doctor's billing office if she would be willing to knock an additional 10 percent or more off the fee if you pay up front by check instead of credit card or payment plan. Because doctors lose about 3 percent to credit card fees—and more for patients who ultimately don't pay—some will agree.

Strike a bargain

Doctors and hospitals already accept a deeply discounted rate from insurers. You can use that information to negotiate when you're paying out of pocket. To learn what doctors in your area typically get from insurers, search for an ailment or treatment plus your zip code at, a privately owned source—like Kelley Blue Book for cars—that gets its information from employers, insurance companies and health care providers. Then ask the doctor to match that rate.