dimeanddollar

Health Costs checklist

16 steps to paying less for health care and catching billing errors.

Track your progress with a free accountGet the free Medical Bill Workbook

Know your plan

Four numbers and a network.

  • Write down your deductible, coinsurance and out-of-pocket max Guide
  • Confirm your doctors and pharmacy are in network Guide
  • Check whether an HSA or FSA could help you Guide
  • Compare total costs at open enrollment, not just premiums Guide

Pay less for care

The right care, at the right price.

  • Book your free preventive care Guide
  • Find your in-network urgent care and nurse line Guide
  • Ask about generics and compare pharmacy prices Guide
  • Check your plan's telehealth cost Guide

Check every bill

Before you pay.

  • Wait for the EOB before paying any bill Guide
  • Ask for an itemized bill Guide
  • Ask about financial assistance Guide
  • Ask for an interest-free payment plan if needed Guide

Know your rights

When something looks wrong.

  • Know your No Surprises Act protections Guide
  • Appeal denied claims before the deadline Guide
  • Check your credit reports for medical debts Guide
  • Keep a log of every billing call Guide