UNIVERSITY PARK, Pa. -- The best way to cut medical bills is to stay healthy. A consumer scientist in Penn State's College of Agricultural Sciences offers ideas for staying healthy and other ways to save on health care costs.

"We know eating well and exercising daily will benefit our health," says Marilyn Furry, associate professor of extension education. "Try thinking of eating well and exercising as a way to pay yourself by reducing expenses."

Furry says that smoking, drinking too much, overeating or being a couch potato increases your health costs and even threatens your life. The buddy system really can help you change these behaviors. "Ask someone at work to walk or run with you at lunchtime," she says. "You might do it at times you wouldn't go by yourself.

"Also, find the right combination of exercises, so you continue doing them after the novelty wears off," Furry says. "When you incorporate healthier foods into your diet, choose foods that you'll want to continue eating, as well. Support groups also can help you meet these goals in positive ways."

Some people should seek medical advice before starting or significantly increasing their physical activity. Consult a doctor before beginning an exercise program.

Take advantage of free screenings

"Watch for and take part in free health care clinics and screenings," Furry says. "Hospitals and state health care agencies often offer free testing for diabetes, blood pressure, skin and prostate cancers, vision and hearing. Call your local state health department for information."

Know early warning signs

Furry recommends that you learn the early warning signs of potential health problems and consult a physician as soon as possible. "It helps to have your own doctor for regular comprehensive check-ups and if a problem should occur," she says. "He or she will have your medical history on file to help diagnosis. This could save time, money and your health."

Compare fees and costs

"Compare doctors' fees for services as well as pharmacy costs for prescription medications," Furry says. "Get second opinions on non-emergency surgical procedures. When your doctor writes a prescription, ask if a generic medication is available. In most cases, a generic version of a brand name drug saves money and is just as effective."

Deduct medical expenses

"Save all medical-related receipts," Furry says. "If you itemize deductions on your income tax return, you can deduct expenses that exceed 7.5% of your adjusted gross income. Deductible expenses are those not covered by insurance."

Get health insurance

If you do not have a health care plan at your place of employment, or if you are self-employed, Furry recommends getting health insurance.

"Compare health care benefits and costs of private insurance companies providing managed care plans," Furry says. "Two of the most common forms of managed care plans are preferred provider organizations (PPO) and health maintenance organizations (HMOs). Check if Blue Cross/Blue Shield is available in your area.

"If you have a chronic health condition, check before switching insurance companies," she adds. "A new company may deny you coverage because of a pre-existing condition."

Join AARP

If you're past age 50, Furry recommends joining the American Association of Retired Persons (AARP) and investigate their health policies. No AARP member can be refused coverage. Contact AARP at (202) 434-6030.

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EDITORS: Marilyn Furry can be reached at 814-863-7428.

Contacts: Kim Dionis KDionis@psu.edu 814-863-2703 814-865-1068 fax