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50 Ways to Save Money

SAVING MONEY ON HEALTH AND FITNESS
Saving money in this category provides a pleasant bonus. As you get healthier using these
money saving fitness options, you may just save money on health care, as well! Here are five
ways to save money on health and fitness for you and your family:
1. Forget the Fancy Gym. Many people sign up for an upscale gym, thinking that the
more they pay, the more they're likely to actually use the facilities. Unfortunately, that's not
true. According to the International Health Club Association, 90% of those who join health
and fitness clubs will stop going regularly within the first 90 days – but the payments still keep
coming in! Good for the gym; bad for your health and your budget.
The way to avoid paying through the nose for services you're not using is to start by avoiding
the upscale gyms with on-call masseuses and on-site spa. Go bare-bones and get your
pampering elsewhere! Also, knowing that the odds are against you, choose the monthly
payment versus the one-pay, no-cancel alternative, even if it looks more expensive. There's a
90 percent chance that you're going to want to cancel, so keep that option open.
2. Pay in Cash. Health care providers are facing non-payment for services already
rendered, just like almost every business owner. This puts the cash payer in a good position.
You may be able to negotiate a lower upfront cost by paying in cash, immediately, rather
than waiting to be billed, or asking the office to submit through your insurance. If you don’t
have insurance, ask for a discount. The answer may be pleasantly surprising!
Be sure to call ahead and ask to speak to the billing specialist. If you wait until you're at the
office and you've already been treated, it's easier for the office person to say no. Also, the
person with the power to say "yes" may not be available.
3. Shop Around. Even if you've seen Doctor Z forever and feel a tad uneasy thinking
about changing, the cost savings you may realize by changing health care providers may
override your emotions. Newly minted doctors, chiropractors, and dentists looking to build
their practices may provide routine services for significantly lower prices. Many dentists offer
"new patient" specials for cleanings and X-rays, and chiropractors often provide similar
discounts with new patient screenings.
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