Save Money on Medical Costs, Medications, and Health “Insurance”

Save Money on Medical Costs, Medications, and Health “Insurance”

If you are facing significant costs for medical care, or don’t have health insurance, here’s some great news. I want to show you how to save a lot of money on medical costs. I did, and I want to show you exactly how I did it.

A few weeks ago I woke up in the middle of the night in severe pain. I’m a doctor, so I understand the risks of most symptoms pretty well. I knew I needed an ultrasound and some blood tests, and I knew I couldn’t do those tests for myself. So I reluctantly woke up my husband, and we headed to the nearest emergency room.

Thankfully the ultrasound and blood tests were reassuring. After a single dose of medication my pain subsided, and soon I was back home and in bed.

At the time this happened I did not have health insurance – by choice! I’m healthy. Individual health insurance would have been very expensive, and I was willing and able to pay cash for the small medical bills I occasionally incurred.

But when the bills for this emergency room visit came, it was no “small” amount. When they all came in over the next few weeks, they totaled over $5500.

When I totaled these up, I got mad. I wasn’t about to pay over $5500! I knew there were options, and I got to work. Instead of $5500, in the end I paid just over $2100. That’s 64% less! How did I do that?

On the most recent Dr Carol Show Dr Carol and Al talk about specific strategies to save money on healthcare – medications, doctor and hospital bills, and even health “insurance”. Dr Carol shares the specific steps she used to save over 60% on her medical bills. We talk with Chris Johnson, MedSavers Pharmacy, about saving money on prescription medications. And we talk about Christian Healthcare Ministries – the Christian alternative to health insurance.

For the audio archive of the full program, CLICK HERE.

Here are some resources that can help:

Your Turn: What ways have you found to save money on healthcare costs? Leave a comment below. 


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How To Begin Making The Bible Real To You

[guestpost]Of course only the Holy Spirit can truly make the Bible come alive in your heart. But there are some steps you can take to help that happen.[/guestpost]

Sometimes we all have voices in our head. Maybe not the crazy kind of voices that would qualify you for a psychiatrist’s couch, but the kind that places a value judgment on what you do, and nags at you when you don’t do something you should. Some would call it your conscience.

And if you are like many Christians, that voice may be telling you, “Read the Bible!” You’ve heard it from preachers, Sunday school teachers, and maybe even your parents. If your home is like most homes, you probably own several Bibles. But is your Bible one of those that someone could write “Read me!” in the dust on the cover?

I’ve heard that voice in my head too. Even though I read the Bible from the time I learned to read there have certainly been times in my life when it just didn’t happen.

It’s so easy to find excuses. The Bible seems too big, too hard to understand, too boring, too old, too separate from my life now. I’m too busy, or too tired. It’s too much work to figure it out. I don’t know where to start or what to do.

I want to take away a little of the mystery and the overwhelm, and outline a few things that can give you the chance to experience how life-changing Scripture can truly be.

(Watch this short video to see some practical ways to begin with Scripture. And you’ll hear about a time when Scripture made all the difference in MY life.)


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When Your Soul Is Tired

When Your Soul Is Tired

How often do you sigh, “I’m just so tired!” And when your soul is tired, it can feel the worst.

In the 21st century there are so many things that can wear us out. An unhealthy lifestyle, lack of sleep, digital overload, complicated relationships, and stress of all kinds is enough to make any one of us exhausted.

But perhaps the most paralyzing of all is exhaustion of the soul. All the other stresses of life can certainly make your body and mind vulnerable, but soul fatigue leaves you barely existing rather than living. Your soul is tired.

Haven’t you felt, like I have, times when you’re just weary of life? The demands on you seem too great, and you don’t seem to have what it takes to move forward. You wake up in the morning tired, and it just gets worse from there.

I had a friend tell me not that long ago, “I wish I could just run away from everything!”

(Watch this short video to see the answer to serious soul fatigue.)

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Where Are YOU Looking For Love?

If you’re a single person, you’ve certainly been asked the question, How’s your love life?

Really, shouldn’t that question be asked primarily of married people? They’re the ones who need to be working on it daily. But that’s for another time.

As for the single life, I know what that’s like. I was 48 years old before I fell in love and married my wonderful God-provided husband. During much of that time I was decidedly unhappy about being single, and felt terribly lonely. But I did learn a lot. And I’d like to share two of those things with you.

Number one: You will only be happy married if ……

Watch this week’s Saturday Memo for the two most important things you can learn while you are single that will help you be happily married:

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Number One New Year’s Resolution: Losing Weight

Did you make any New Year’s Resolutions this year? Some of you did. And if so, there’s a pretty good chance that losing weight is at the top of your list.

The Centers for Disease Control and Prevention tells us that more than one third of American adults are obese, and another one third are overweight. It’s an expensive medical problem, eating up 21% of all healthcare costs, or $190 billion annually.

If weight is YOUR challenge, the costs are much more personal. You pay in ways such as decreased energy, self-esteem, or perhaps a sense of discrimination. I see women in my office regularly who break down in tears over their struggle with weight.

But now it’s a new year, and you’ve resolved to do something about it. Yes, there are a number of lifestyle measures you can and may need to take to get healthier physically. But I want you to do something first. I want to stop thinking about your dress or pants size, the number on the scales, or yesterday’s calorie count.

I want you to think FIRST about what’s eating you!

Watch this week’s Saturday Memo for the inside foundation for much of obesity, and also what God has to say about this issue:

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