由 home-healthhaven 
As we age, we’re more prone to diseases and health issues. Thankfully, Medicare kicks in when you turn 65, giving you some much-needed peace of mind. But while Medicare can significantly cut down your health costs, it won’t cover everything, so you might still need to pay some expenses out of pocket.
Medicare has predictable premiums, but unexpected procedures, tests not covered by Medicare, sudden health crises, and prescription drugs can disrupt even the best retirement plans. Here are some ways for seniors to make healthcare more affordable:
### 1. Look for Non-Insurance Options
Medicare typically doesn’t cover most dental and vision services. To save on these costs, consider a discount plan offered by discount companies, non-profits, unions, or banks. For a set monthly fee, you can get 20 to 60 percent off services not covered by Medicare.
Before signing up, take the time to understand the discount plan. While many are legitimate, some offer minimal benefits. Be cautious of plans advertising discounts of ‘up to’ 70 percent, as the actual average discount is usually much lower. When in doubt, ask your doctor or healthcare provider if they participate in the plan, as some plans may list many providers, though only a few participate.
### 2. Visit a Dental School
Dental services can be pricey, but you can save money by getting treated at a local dental school. Students, supervised by experienced instructors and using the latest equipment, perform the procedures, making them more affordable.
The downside is that these procedures may take longer as they are part of the students’ training. Additionally, the low cost often results in waiting lists. Despite this, dental schools are a good option for retirees needing routine procedures at a lower cost.
### 3. Save on Eyeglasses
When updating your eyeglasses prescription, ask your optometrist if you can keep your current frames. Frames can account for about half the cost of eyeglasses, so reusing them can save you money.
If you need new frames, opt for generic ones over designer brands. Also, ask your doctor about special deals or older models that might be cheaper. If you’re a member of AAA or AARP, check for discounts at major retailers like Sears Optical, Pearle Vision, and LensCrafters.
### 4. Double-Check Your Medical Bills
A Wolters Kluwer Health poll found that 45 percent of Americans have received an incorrect medical bill at least once. People often accept these bills without question, but they should be scrutinized just like a receipt from a store or restaurant. Since medical bills are usually larger, they require even closer inspection.
Medical procedures and prescriptions are billed using specific codes, so a simple data entry error can lead to significant extra costs. If you spot any unfamiliar charges, contact your doctor or healthcare provider for clarification.
High medical costs are the leading cause of personal bankruptcy. Seniors should take advantage of any opportunity to reduce healthcare expenses.