Help keep costs down to size, the first step is to organize

Notecard with "Stay Organized" written and a cup of coffee.

•  Use a file box, 3-ring binder, or one of the many apps available to keep track of your health insurance information and health care expenses. Include up-to-date copies of your medicine log and personal and family medical records.

•  Add medical bills, explanation of benefits (EOBs), and receipts for payments as you receive them. Add reports and lab results, too.

•  Keep a running tally of expenses to see when you have met your deductible and yearly limits, such as for dental care.

•  If you have a health flexible spending account (FSA), keep track of how much money you have left in it.

•  Keeping good records helps you manage your bills, find billing errors, and be ready at tax time to claim medical expenses.

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