7 Money Saving Tips When Getting Help For Anxiety
Getting the proper care for your anxiety disorder is paramount to feeling better
. If youre new to finding help for social anxiety, panic disorder, GAD, OCD, or agoraphobia, you will soon find out what many have come to know over the years that Anxiety isnt cheap.
Therapists, doctors, medications, and anxiety treatment programs usually arent free. But take heart. Here are some things you can do to help keep costs to a minimum.
7 Tips to Help Keep Costs Down
1. If you plan to see a therapist, work within your insurance plan. Stay in your network if possible. You may only have to pay a fraction of the cost of what the therapist normally charges if he or she participates in your network. So it pays to do some research.
2. Don't be afraid to ask the doctor questions that can save you money. When possible, ask your doctor to prescribe generic medication. Generics can be significantly cheaper than brand name medications. If appropriate, ask your doctor about writing a prescription for a double dose pill, so that you can split them in half.
3. Your medical expenses may be deductible. If your familys total health-care costs for the year exceed 7.5 percent of your adjusted gross income, you may be eligible for a medical expense tax deduction. You can talk to your tax preparer or accountant for more information about this.
4. Shop around for the best pharmacy. Believe it or not, pharmacies sometimes charge very different prices for the same drugs. Consumer Reports found that prices for the same bottle of pills can vary by more than $100. Retail giants Walmart and Target both have $4 generic drug lists available to shoppers. You can also look into a mail away pharmacy, as they can save you significant money on prescription medications.
5. Flex Your Spending If your employer offers a flexible spending account (FSA), take advantage of it. An FSA allows an employee to set aside a portion of his or her earnings to pay for qualified expenses not covered by insurance that they regularly pay for, such as: deductibles, co-pays, medications, psychologists, and more.
6. Dont Accept No. If your insurance company wont pay for a service you think you deserve, dont just give up. Appeal the decision. Locate your insurance company's address and telephone number either on a bill or printed on your wallet ID card. If you are unsure how to go about filing a claim, call or write your carrier and ask for specific instructions.
7. Research your anxiety treatment program of choice. The advent of the internet has been a blessing to many anxiety sufferers who are successfully using various effective anxiety treatment programs, now available to everyone. For anxiety self help programs such as The Linden Method and others, read product reviews before you buy, to make sure the program is right for you. Some programs offer a free sample video of their program or a free newsletter which you can sign up for by using your email address.
Practical application of the seven suggestions above is sure to help cut your costs when seeking help for anxiety disorders or panic attacks. In addition to the above suggestions, consider lifestyle and dietary changes, such as an exercise plan and getting adequate rest. Being healthy not only reduces your overall health care costs, it can reduce your anxiety and make life more enjoyable too.
by: Jill Green
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