10 Ways to protect themselves from bankruptcy due to long illness.

Accidents and long-term illness can drain both financially and emotionally. Sometimes the money crunch a job keep due to the inability, or if the escalating medical bills and it is becoming increasingly difficult to balance cost.

Further, medical insurance may prove insufficient or does not cover the long-term medication. That one has to think and plan for each case.

The experts recommend the following: 1. questions you your doctor for samples of drugs.

2. Often, a drug, the older is effective and cheaper. Ask the doctor a prescription for a drug that write more affordable. Research has shown that you can have up to 75% on this way.

3. Discover the name of the drugs and you choose it instead of branded Medikamente--buy the savings can amount to as much as 70%.

4. very often sell companies, higher doses of medication for a slightly higher cost. Carefully, the higher dosage buy and spilled the drugs in the Middle, a third party or quarters. Almost 50% are the savings you can make.

5, 90-Day orders to the extent of mail order pharmacies discount or online services. The savings are considerable, and many doctors help patients in the long term cost reduction through the introduction of the patients in contact with distributors.

(6) If a certain questions of the physician, recommended replacement is very expensive medication. This is known as therapeutic substitution.

7. try to compare. You will notice that the local pharmacies, online connections and retailers the same drug otherwise is assessment. Online pharmacies, such as http://www.walgreens.com/or http://www.drugstore.com/offer www.costco.com medicines at affordable prices.

8. There several patient support programs, to offer free or cheap medicines which can afford long-term disease. Companies such as Merck programs have benefit the insured patients. Drugs are given discounts of 10-40%.

9. If you or a member of the family often travels could to buy your drugs abroad. Same drug manufactured by the same company is usually much cheaper overseas. A medicine can order by mail from Canada where drugs 30-50% less cost than in the US. But the laws to check before you try this.

10. Start a savings account health where can $ before taxes to unforeseen medical expenses. This has a high deductible. Find out if you or other family members in question.

Use an insurance broker who always remember you. He must inform you systems all new developments in terms of health involved in and you make sure you take full advantage of the system of insurance. You should also use a critical illness policy in a regular health insurance.