1.Health Insurance For Individual Entrepreneurs A key benefit of employees enjoy is health insurance coverage. And 'one of the most expensive at the expense of self-employment. What can you do to reduce the rising costs of health care? Here are some tips. 1. If a medical bill seems excessive, try negotiating The chief medical officer or office, which handles billing is likely to flexible, as long as you make a valid. When a woman in Texas was charged $ 900 for surgery and "consultation", he explained that he had once visited the hospital for surgery, his Bill was immediately cut by $ 370. 2 .. Contact a medical bill "auditor" More services have a medical bill "auditing" system that evaluates your medical bills to determine if there were errors in the billing process. Since 97 percent of medical hospital bills contain errors, it is not surprising that out-of-pocket medical costs are rising for consumers. Because the typical hospital bill is extremely complicated, often containing several hundred per shift costs, there is ample opportunity for computer mistakes and accidental human error. Search Google for medical bill auditors to find companies that offer this service. 3. You can get a tax break for your medical expenses Keep your medical bills together and add up to tax time. If they exceed 7.5 percent of gross income is reduced too. Please note that these elements may be included in the total cost of glasses, contact lenses, physiotherapy, X-rays, hearing aids, psychiatric care, insurance and transport to hospital or doctor's office (30 cents per mile). This is the phase-out in some cases based on adjusted gross income. Check a tax professional adviser. 4. To reduce the 100% increase in health costs, the fees The IRS allows all self-employed to deduct 100% of medical expenses from their taxes using § 105 of the Internal Revenue Code. To receive this deduction, you must do the following: a) take your spouse as an employee of your company. b) Is your spouse receives health insurance in his name, and even a family policy. c) To pay the salary of the spouse, which covers the cost of insurance. d) Talk to your tax professional about the planning of Section 105 on your taxes. We all know that your spouse is your business. It can now be identified by their contributions, he is doing - and get Uncle Sam to give you tax relief. 5. Help for families with kids - CHIP All states have established new programs to help low-income families with children to pay for health insurance for their children. Funded in part by the federal government, the insurance program child health (CHIP) operate either as an extension of the state Medicaid program or a subsidy for health insurance privately. Eligible families can access coverage for their children at greatly reduced premiums, which varies by family income. Contact your state department of health insurance for more information. 6. Shop Around Hospital costs vary widely, especially between urban and rural settlements. If your doctor has admitting privileges at more than one hospital, if you can be admitted into one that is cheaper. Note that hospitals run by nonprofit foundations are generally less expensive than property investors, for-profit hospitals. To learn how your local hospitals charge, ask your doctor. Many states have Health Services Cost Review Board, which compiles the data. 7. Check in your community free clinics You and your family can save hundreds of dollars by taking advantage of many free screening, vaccinations and other health clinics offered by your local community or a city near you. Many community hospitals and social services can provide blood pressure checks, shots for your children, free contraception and / or counseling and other preventive health care at little or no cost. 8. Getting a second opinion outside the city Believe it or not, the chances of expensive surgery or preventative procedure may depend solely on where you live. Statistics show that the frequency of medical procedures performed varies widely from place to place. For example, residents of New Haven, Conn., are twice as likely to undergo coronary bypass operation as residents of Boston, Massachusetts What is the reason for this discrepancy? An expert from the Dartmouth Medical School, John E. Wennberg, MD, MPH, explains that some operations are simply more fashionable in some parts of the United States than in others. So if you get a second opinion before surgery, consider going to a specialist in another city. Also, find out what are the rates for the surgery procedure are in different cities. HealthAllies.com also offers this service online. For the names of doctors second opinion in your area, call the U.S. Free government hotline at 1-800-638-6833 second opinion. 9. Do not pay double for a second opinion As arrangements for a second opinion, ask your doctor to send copies of your medical records, x-rays and laboratory tests for the second medical opinion. These tests do not require duplication, the second doctor will have the information you need - and you do not pay twice. 10. Emotional stability Your mental health is as important as physical health. Do you have blue days once in a while, or struggle with gray winters? St. John's Wort, an additional over-the-counter herbal been shown to increase positive moods. Before rushing to your family doctor for medication to help you feel better, try supplements with a combination of expressing your feelings with friends and a healthy lifestyle. Mood stabilizers are some of the more expensive drugs on the market today. However, you should be aware of the signs of stress or even depression. Take a simple test: Do you have feelings of sadness and / or irritability? There was a loss of interest in pleasure activities you once enjoyed? There were no changes in weight or appetite? Have you noticed changes in your sleep pattern? Do you feel guilty? Are you unable to concentrate, remember things or make decisions? Are you tired or have a loss of energy? Do you experience restlessness or decreased activity noticed by others? You have feelings of hopelessness or worthlessness? Do you have thoughts of suicide or death? If you answer "yes" to any of these questions, you should consider consulting your family doctor. If they recommend mental health treatment, it is more cost effective to have your family mood stabilizers doctors prescribe instead of seeing a psychiatrist. But to follow your doctor's instructions on counseling and referrals to mental health professionals. 11. Order prescription drugs by phone, web or e-mail There are many discount pharmacies benefits available for a modest cost. Communicating for Agriculture and the Self-Employed offers a free prescription card through PCS. This program saves members up to 40 percent to more than 55,000 pharmacies nationwide. On average, board members save $ 9.39 on the limitation of order. You can register for free on the SelfEmployedCountry.org. 12th Ask your doctor to prescribe generic drugs Medicine marketed under its scientific name is usually 50 percent cheaper and just as effective as the branded versions. Also, look for the generic drugs sold without prescription. For example, aspirin 100 generic can cost $ 1.79, the same ingredients packaged under a brand name can cost more than $ 5 for 100 tablets. Consider also that the importance of the new and easy to swallow are the products for your convenience. Lower prices of some drugs may be comparable easy to swallow when you think about your budget. 13. Get enrolled in a group plan For self-employed, including those involved in small businesses, individual health insurance became very expensive - sometimes up to 30 percent of your pay. By joining organizations like the National Association for the Self (www.nase.org), you can enroll in an insurance group with a single integrated cost control. 14th Select a higher deductible Often a good number of family visits to the doctor for a total of less than $ 250 a year, usually in a small deductible. This small reduction in interest rates could end up costing more in the form of higher premiums. If a family has enjoyed good health for many years, may need to change the higher the deductible, $ 500 or $ 1000. You will notice greatly reduced insurance premiums. Pay the 15th annual premiums You avoid the service fee and may also receive a discount on your insurance company. Check with your insurance agent about how much money you can save if you pay your premium once during the year. 16. Make sure there are higher-pocket expenses for catastrophic illnesses About half of individual policyholders lack this important provision, according to experts who recommend an insurance policy with a major medical stop-loss clause limiting distribution policy for $ 2000 or $ 3000. 17. Get educated about your health Invest in your health to be rich in information. Read the literature on health care. Pay special attention to free publications such as Inside the Mayo Clinic in MayoClinic.org welfare or have on hand a book on personal care such as family health and AAFP Medical Guide and The Merck Manual of Diagnosis and therapy. A lot of information is also available online. 18. Enjoy free health advice Free brochures on the U.S. government in almost all matters of health you can imagine, simply by writing the Consumer Information Center, Pueblo, Colorado. The government offers several dozen booklets of topics ranging from nutrition, health problems, mental health, drugs, exercise and weight control. If you want a list that explains these booklets, write: The Consumer Information Center PO Box 100 Pueblo, CO 81 009 http://www.pueblo.gsa.gov (you can download booklets from this site) Once again the U.S. government is offering a range of health services free telephone information health. The issues are numerous, including hearing aids, information on cancer, Alzheimer's disease, drugs and pregnancy problems. For more information on health topics and phone numbers, call the national health information 1-800-336-4797. 19th Update CPR and first aid skills to become certified. Proper treatment of various accidents may reduce the number of doctor visits, and can save lives in emergency situations. It is important to always keep a package of medical updates on your home or office. Here are the basics for first aid kit: bandages, such as 3-inch roll gauze, individually packaged 4 inch sterile gauze pads, bandages, roll of 1 inch tape, butterfly bandage tape and scissors elastic bandages Buds sterile dressings or towels pain reliever (acetaminophen or ibuprofen) antiinflammatory drugs (ibuprofen) Syrup of ipecac (for use with the advice of medical professionals to induce vomiting) Tweezers hydrogen peroxide skin creams such as hydrocortisone cream, calamine lotion and antibiotic creams an antihistamine (diphenhydramine allergic reactions) flashlight eye patch an arm sling tongue depressors (to be used as a finger splint) ice pack rehydration fluids (such as Pedialyte or Infalyte) 20th Adopt a lifestyle well-being - every day Take responsibility for your health by making simple changes in your lifestyle. By following these seven basic rules of good health, you can improve your chances of living a long healthy, active lives.