 Finding affordable healthcare services is a challenge for the majority of Americans. Deductibles and out-of-pocket costs continue to increase, and many individuals simply cannot afford a health plan. Consumers are now looking to shop for their needed medical services based on value, which includes both quality and cost. Consumer choice and price transparency create incentives at all levels and motivate the entire system to provide better care for less money.
 What to do at the end of a loved one’s life can be extremely overwhelming, no matter the circumstance. Not knowing how to handle your loved one’s finances—or what type of financial situation you’ll be left to sort out—can make a difficult situation even worse. Putting financial affairs in order is key, especially when a loved one is facing a terminal illness. By working with your loved one soon after diagnosis to ensure their wishes are known and that you or another family member have the authority to carry them out, financial peace to the best extent possible can be achieved.
 Being a savvy consumer in your healthcare purchasing decisions provides you with information and incentives to choose healthcare providers based on value. Value is not only about price but also includes quality. You can save money on your healthcare expenses by finding and employing physicians and other providers who believe in the free market. The tips listed below are a few of the many ways to lower your out-of-pocket expenditures and possibly your future premiums.
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December 2017
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Pennsylvania Association of Community Bankers
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"To empower community banks to make positive impact within the communities they serve."
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