Take Responsibility for Your Health

Play an active role in the health care of yourself and your family. Be prepared for doctor visits. Don't wait for a medical emergency to compare hospital or physician fees and services.

Examine Hospital and Medical Bills

Check all medical bills carefully for errors. Look to see if you have been overcharged, billed more than once, or charged for an item or service you did not receive. If you have trouble understanding your bill, ask your doctor or the hospital for an explanation.

Plan Choose an insurance plan that best meets your needs. Select doctors and hospitals you trust, that work with your insurance provider, and are reasonably priced.

Know your rights and responsibilities as a patient. Know your personal and family medical history. Learn about your illness or condition. Gather information about the latest treatments and alternatives to surgery.

Act. Don't wait. Look into alternatives. Speak up. Tell your doctor about your symptoms and what you think may be causing them.

Ask Questions

You have the right to be involved in your care and treatment. Have questions ready ahead of time to ask your doctor, insurance representative, and the hospital:

• What do my symptoms mean?
• What tests do I need and why do I need them?
• What risks are involved if I have surgery?
• How long does the surgery take and how long do I need to stay in the hospital?
• How much of the cost will my insurance cover?
• What items and services are included in the hospital charges?
• How soon can I return to my normal activities?

Avoid Unnecessary Treatment

Your doctor's decisions about your care can account for as much as three-quarters of your medical bills. You can save time and money by seeking the best treatment for your needs. You can be more confident of your treatment and reduce unforeseen costs if you choose a good insurance plan, use preferred providers, and get second opinions. Find out your options by asking questions such as:

• Is a surgery or medication necessary? Why?
• Can my tests or surgery be done somewhere else besides the hospital?
• What other treatments are available?

Can I make any changes, such as diet and exercise, that might help my condition?