23. Pay Less for Prescriptions
Go generic, for starters. In almost every case, generics are just as good as name brands and are much cheaper, says Catherine Tom-Revzon, a pharmacist at The Children's Hospital at Montefiore, in New York City. Second, compare costs since prices vary significantly from store to store. Your best bet may be a warehouse club like Costco or Sam's Club. (You don't even need to be a member.) Another option: If your plan has a mail-order pharmacy, you might be able to get 90 days' worth of prescriptions mailed to you for two co-pays.
24. Keep an Eye on Discounts
Remember that you don't have to buy glasses or contact lenses from your optometrist or ophthalmologist. Federal law requires them to give you a copy of your prescription so you can buy lenses anywhere you like. Even if you don't have vision coverage, insurance providers may offer discounts on glasses or contact lenses. If not, look elsewhere: Some Automobile Association of America policies include eyewear discounts. Warehouse clubs and online retailers also offer deals.
25. Go to Dental School
If you need expensive dental care, consider a clinic at a local dental school. Well-supervised students staff these clinics and charge between 20 and 50 percent less than what you'd pay at a professional dental office -- big bucks if you need a costly crown or implant. Search for dental-school programs in your area at ada.org.
Copyright © 2008. Used with permission from the May 2008 issue of Parents magazine.
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