Money Management | Most Banks Charge $20 Per Returned Check
Friends With Money | Ask Your Doctor If They Will Write Off Any Balance Owed
70.Challenge Doctor / Hospital
If you have stayed in the hospital recently, you know the outrageous charges associated with every thing used.
While you could buy a box of bandages for a small cut in the drug store for $5.00, at the hospital, they will charge you $10 for one bandage.
While the government and insurance companies are cracking down on these charges, you should check things closely and challenge anything that is ridiculously priced.
The same is true for your doctor. One woman having a hysterectomy was asked by her doctor if she wanted her appendix removed at the same time. The patient thought it was a good idea and agreed.
However, after the surgery when the bill came, there was an additional $1,200 for the removal of the appendix although the doctor never mentioned an extra charge. The woman called her doctor to discuss and the doctor removed the charge. If something seems way out of balance, question it.
Something else that most people do not know about is what is called professional courtesy. If you are having financial difficulties, you can ask your doctor if they will write off any balance owed as a professional courtesy. Many will and if not the full amount, at least some.
71. Overdraft Protection
Almost everyone has at one point or another had an insufficient check. Most banks charge $20 per returned check, which if not careful with your account, can quickly add up to a lot of money.
If you have a savings account, consider adding overdraft protection onto your checking account so if you ever go into a negative balance, the money would automatically be covered by your savings. Most banks offer this service free.
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