You can't put a price on good health. You've heard the maxim, but in the era of high deductibles, caveat-riddled coverage, hidden fees and a healthcare system in flux, it's taken on a new meaning. Even if you have coverage, how do you budget for your health needs beyond the standard co-pays and insurance premiums? It's a question anyone who's ever received an unexpected medical bill has grappled with. According to a recent poll by Kaiser Family Foundation, 67% of over 1,100 people surveyed worried more about surprise medical bills than covering the cost of rent, food, electricity or insurance premiums.
In the same poll, 39% of insured adults under 65 claimed to have been hit with higher-than-expected medical bills in the past year—with some facing unexpected charges upwards of $2,000.
The truth is, health insurance doesn't guarantee you protection from medical-related debt. That doesn't mean you should pass on the care you need, but you don't have to be blindsided by the costs either. Arming yourself with information, doing your research and being your own advocate can make all the difference—for your health and your bank account. Here's what you need to know.
Avoid "in-network" loopholes
Just because a hospital or clinic is in your insurer's network, that doesn't guarantee the doctor treating you offers the same coverage. This is particularly common with surgical procedures that require multiple professionals. According to the Wall Street Journal, anesthesiologists, radiologists and pathologists are "the most likely to not accept many health plans." Meanwhile, specialists brought in for consultations and even MRI or blood-work could appear as an out-of-network charge on your medical bill.
To avoid added costs, contact the hospital in advance to request that all specialists and lab tests are in accordance with your network plan, and barring that, try to negotiate a rate beforehand. If you're still overcharged, you can contact a billing negotiator, (Consumer Affairs has a list of the best rated), which takes a cut from your reduced rate, or a nonprofit like Patient Advocate Foundation.
You can also advocate for yourself, as Forbes' Kelly Long did after a surgical procedure with an anesthesiologist that wasn't on her plan.
"In my case, I finally called the billing office of the anesthesiologist and asked if they would be willing to accept the amount my insurance was willing to accept," writes Long. "The billing associate consulted her manager and then offered me a 20% discount."
Ask about Facility Fees
Hospitals can charge for the use of their facility and equipment, which can be unavoidable in emergency situations. But if it's not a dire situation, or if your doctor works out of another location besides the hospital, it's possible to avoid the fee. Call ahead, ask about facility fees and whether there's a way to avoid them with a visit to another office.
Check for Billing Mistakes
Ever spotted a mistaken charge on a restaurant check? Medical facilities make mistakes too.
Calculate each item on the bill, and make sure there aren't erroneous procedures you didn't actually have. Here's the big one: Even if the procedure's name checks out on the bill, the CPT (current procedural terminology) code for a procedure could be wrong. You can find a list of codes at the American Medical Association's website. If your insurance company denied coverage for a procedure that you know is in your plan, make sure the code listed matches the procedure you had. If it doesn't, alert both your plan and the medical facility of the mistake.
If you're setting up an appointment for preventative care, check with your healthcare provider about what's covered, specifically the numeric codes for each procedure. Then, when booking the appointment, give those codes to the administrator to avoid mistakes later.
Other mistakes to look out for: double charges of the same procedure, misspelled names and inaccurate dates. Any one of these blips could lead your insurance to initially veto coverage.
Research your options—all of them
In an emergency, researching cost effectiveness should be the last thing on your mind. But if you've done your homework in advance, you'll save yourself a financial headache later. Check with your local fire department about the ambulance services in your area and confirm with your insurance provider that they're in your network. While you're at it, check in about your options for same-day care.
Providers, like Aetna, hospitals like NCH, and online platforms like Doctors On-Demand offer virtual care services, staffed by physicians on call to answer your immediate concerns and help you decide next steps. Most cost as little as a co-pay or offer a flat rate starting around $40.
If you need an immediate in-person visit and can't get an appointment with your primary care physician, you've still got options. Chain pharmacies like CVS offer walk-in clinics ($99-$129) for quickie problems such as sore throats or other minor issues, while urgent care facilities, which can start at $150 without coverage, offer wider services.
If your issue might be life-threatening (chest pains, shortness of breath, vomiting and other red alerts) it's time for a trip to the ER, which usually means a higher co-pay and resulting bill. But in times of crisis, money should be the last thing on your mind. But when you're feeling better, or better yet, before you get sick, you can arm yourself with even more information on ER fees and what to expect over at Vox, where they've launched a project aimed at exposing the hidden costs of Emergency Room visits. You can even help their cause by sharing your own bill.
Over the past month, both Haiti and Afghanistan have been pummeled by tragic disasters that left devastation in their wake.
In Haiti, a 7.2 magnitude earthquake erupted, leading over to 2,189 deaths and counting. A few hours later, in Afghanistan, Kabul fell to the Taliban just after U.S. troops had pulled out after 20 years of war.
In many ways, these disasters are both chillingly connected to US interference. The United States invaded Haiti in 1915, ostensibly promising to restore order after a presidential assassination but really intending to preserve the route to the Panama Canal and to defend US creditors, among other reasons.
But the US forces soon realized that they were not able to control the country alone, and so formed an army of Haitian enlistees, powered by US air power and intended to quell Haitian insurrection against US controls. Then, in 1934, the US pulled out on its own, disappointed with how slow progress was going. Haiti's institutions were never really able to rebuild themselves, leaving them immensely vulnerable to natural disasters.
Something similar happened in Afghanistan, where the US sent troops and supported an insurgent Afghan army – only to pull out, abandoning the country they left in ruins, with many Afghans supporting the Taliban.
In both cases, defense contractors benefited by far the most from the conflict, making billions in profits while civilians faced fallout and devastation. While the conflicts and circumstances are extremely different and while the US is obviously not solely to blame for either crisis, it's hard not to see the US-based roots of these disasters.
Today, in Haiti and Afghanistan, civilians are facing unimaginable tragedy.
Here are charities offering support in Afghanistan:
1. The International Rescue Committee is looking to raise $10 million to deliver aid directly to Afghanistan
2. CARE is matching donations for an Afghanistan relief fund. They are providing food, shelter, and water to families in need; a donation of $89.50 covers 1 family's emergency needs for a month.
3. Women for Women International is matching donations up to 500,000 for Afghan women, who will be facing unimaginable horrors under Taliban control.
4. AfghanAid offers support for people living in remote regions of Afghanistan.
5. VitalVoices supports female leaders and changemakers and survivors of gender-based violence around the world.
Here are charities offering support in Haiti:
1. Partners in Health has been working with Haiti for a long time, and they work with the Department of Health rather than around them, which is extremely important in a charity.
2. Health Equity International helps run Saint Boniface Hospital, a hospital in Haiti close to the earthquake's epicenter.
3. SOIL is an organization based Haiti, "a local organization with a track record of supporting after natural disasters." They are distributing hygiene kits and provisions on the ground to hospitals and to victims of the earthquake.
4. Hope for Haiti has been working in emergency response in Haiti for three decades, and their team is comprised of people who live and work in Haiti. They focus on supporting children and people in need across Haiti.
When the new Tiffany's campaign was unveiled, reactions were mixed.
Tiffany's, the iconic jewelry brand which does not (despite what some might be misled to believe) in fact serve breakfast, featured Jay Z, Beyoncé, and a rare Basquiat painting in their recent campaign.
The aesthetics were undeniably luxe and historic. The campaign showcased the rarely-seen Basquiat painting Equals Pi (1982), which the brand acquired for the background's proximity to its distinctive Tiffany blue. Also notably historic is that Beyoncé was the first Black woman to wear the 128.54 carat Tiffany Diamond.
Before Beyoncé, the only other stars to wear the yellow diamond were Mary Whitehouse, wife of American diplomat Edwin Sheldon Whitehouse, Hollywood icon Audrey Hepburn, and singer Lady Gaga.
"Beyoncé and Jay-Z are the epitome of the modern love story …. Love is the diamond that the jewelry and art decorate," said the press release accompanying the campaign.
The campaign, titled "About Love," is stunning and has both classic and contemporary references. The image of the couple posing in front of high art recalled the iconic stills from their "APESHIT" music video, for which they famously rented out the Louvre and posed in front of the Mona Lisa.
THE CARTERS - APESHIT (Official Video) www.youtube.com
Their "APESHIT" photo made a giant cultural impact for its juxtaposition of Western beauty and Blackness. Tiffany's campaign seemed to have similar goals — showcasing Beyoncé and Jay Z as the peak of luxury, this time juxtaposing the Basquiat and the Tiffany diamond.
As a Black couple, their appearance in such a luxury campaign was a big move for representation, but in a post 2020 landscape, there was an outcry of criticism.
Despite the aesthetic beauty of the image, the high capitalist undertones didn't sit right with some on the internet — largely younger demographics. Though this campaign was an effort by Tiffany's to appeal to younger audiences and make the brand feel more relevant, Twitter's verdict was clear: a blood diamond wasn't the way to go.
The diamond, which was mined in South Africa in 1877, comes from origins laden in the implications of colonialism. The practice of mining in South Africa at the time was exploitative and destructive, eschewing the livelihoods and safety of African miners and their communities for... what? Money? So Tiffany could try to sell us some dream of affluence using Black celebrities as to "Blackwash" the history behind their treasured piece?
The Washington Post also had some choice words, saying: "Its campaign does not celebrate Black liberation — it elevates a painful symbol of colonialism. It presents an ostentatious display of wealth as a sign of progress in an age when Black Americans possess just 4 percent of the United States's total household wealth. If Black success is defined by being paid to wear White people's large colonial diamonds, then we are truly still in the sunken place."
Alongside the campaign, Tiffany & Co have promised to donate $2 million to HBCUs to fund scholarships and internships. But this measly amount (considering the multi-billion dollar net worth behind LVMH) is not enough to cover up that, despite their performative efforts to promote "diversity," Tiffany's is entrenched in a colonial history that neither beauty nor Beyonce can make us ignore.
While Black representation has been increasing over the past few years, the question of how we are represented is starting to be considered with more nuance. And as we examine the structures of wealth and hierarchical values, many people are starting to ask whether these should be the standards we aspire to anymore.
Jay Z and Beyoncé have come under fire before for their promotion of Black Capitalist values — which the kids don't seem to want. Jay Z especially seems invested in the trappings of traditional (read: white) success and wealth. His cannabis line recently unveiled a campaign based on the work Slim Aarons — which was famously focused on "attractive people doing attractive things in attractive places" — and its unashamed opulence raised some eyebrows.
Images like this aren't as revolutionary as they once might have been since they reinforce the status quo and tell marginalized people to reach for the same luxuries and lifestyles deemed aspirational by the people who have oppressed them.
Anti-capitalist theory has been around as long as capitalism has, but younger generations are more likely to question the status quo — even when it comes packed with Basquiat and Beyoncé.
The conversation about the Tiffany campaign is indicative of how Gen Z thinks differently about money and what it means to them. They are less likely to be seduced by the luster of the aspirational, and more receptive to relatability.
No more does financial literacy seem restricted to the pretentious or the elite — we get it, finance bros; you love capitalism. With Cleo, understanding your money is something that can align users with their values.
And those values don't look like blood diamonds or corporate pandering.
- Sorry, Beyoncé, but Tiffany's blood diamonds aren't a girl's best friend - Washington Post
- The Black-white wealth gap left Black households more vulnerable — Brookings
- The Unashamed Opulence of Jay Z's Luxury Cannabis-Themed Slim Aarons Photoshoot — Popdust
- ATTRACTIVE PEOPLE DOING ATTRACTIVE THINGS IN ATTRACTIVE PLACES WITH SLIM AARONS — Elle Decor
Road trips can be a lot of fun — but they can also drain your wallet quickly if you aren't careful.
From high gas costs and park admission fares to lodging and the price of eating out every night, the expenses can add up quickly. But at the same time, it's very possible to do road trips cheaply and efficiently. Without the headache of worrying about how much money you're leaking, you can enjoy the open road a whole lot more. Here's how to save money on a road trip.
1. Prepare Your Budget, Route, and Packing List in Advance
If you want to save money on a road trip, be sure you're ready to go. Try to count up all your expenses before you hit the road and create a budget. It's also a good idea to plan your route in advance so you don't end up taking unnecessary, gas-guzzling detours. And finally, be sure to pack in advance so you don't find yourself having to buy tons of things you forgot along the way.
2. Book Cheap Accommodations — Or Try Camping
All those motel rooms can add up surprisingly quick, but camping is often cheap or free, and it's a great way to get intimate with the place you're visiting. You can check the Bureau of Land Management's website for free campsites. Freecampsite.com also provides great information on If you don't have a tent or don't want to camp every night, try booking cheap Airbnbs or booking hotels in advance, making sure to compare prices.
camping road tripConde Nast Traveler
If you're planning on sleeping in your car, a few tips: WalMart allows all-night parking, as do many 24-hour gyms. (Buying a membership to Planet Fitness or something like it also gives you a great place to stop, shower, and recharge while on the road).
3. Bring Food From Home
Don't go on a road trip expecting to subsist on fast food alone. You'll wind up feeling like shit, and it'll drain your pocketbook stunningly quickly. Instead, be sure to bring food from home. Consider buying a gas stove and a coffee pot for easy on-the-go meals, and make sure you bring substantial snacks to satiate midday or late night cravings so you can avoid getting those late night Mickey D's expeditions.
Try bringing your own cooler, filling it with easy stuff for breakfast and lunch — some bread and peanut butter and jelly will go a long way. Bring your own utensils, plates, and napkins, and avoid buying bottled water by packing some big water jugs and a reusable water bottle. Alternatively, try staying at hotels or Airbnbs with kitchens so you can cook there.
4. Avoid Tolls
Apps like Google Maps and Waze point out toll locations, so be sure to avoid those to save those pennies. (If it takes you too far off route, you might have to bite the bullet and drive across that expensive bridge).
You can also save on parking fees by using sites like Parkopedia.
Road TripThe Orange Backpack
5. Save on Gas
Gas can get pricy incredibly fast, so be sure that you're stopping at cheap gas stations. Free apps like GasBuddy help you find the most affordable gas prices in the area. Also, try going the speed limit on the highways — anything faster will burn through your tank. Be sure that you don't wait till you arrive at touristy locations or big cities to fill up.
6. Get a National Park Pass
All those parks can get really expensive really fast. If you're planning on visiting three or more parks, it's a great idea to get an America the Beautiful National Parks Pass. For $80 you can get into every National Park for one year.