30 Second Insurance Tips©

Tip 129- Hot Or Cold? Heat Or Ice?

I overdid it in the yard last week. The result was a really sore back. Again! This calls to mind the health care formula: total cost = unit price X utilization.

Did my sore back warrant utilizing health care; i.e., a visit to the doctor? Or did I just need to apply heat? Or, a cold pack?

Unsure, here were my options: Call my doctor. (I have his cell phone number. Do you have your doctors?) Call the nurse line number on the back of my insurer’s ID card. Go to Urgent Care.

Or, check out WebMD. What a great website! The answer: Ice.

Chest pains? I’m calling 911. But judicious use of health care is a surefire way to lower premiums.