Word: out-of-pocket
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...other cases as well? I have clients who are good enough to pay for my services, because these clients in Guantanamo are obviously penniless and destitute and couldn't pay anything. We've spent millions of dollars of donated legal time and hundreds of thousands of dollars in out-of-pocket money because the translators have to be paid. We've had an investigator in Bosnia working with us for three years. He has to be paid. Every time we fly to Washington, the only place you can look at this evidence, every time we fly to Florida...
Indeed, some 25 million Americans were underinsured last year, meaning they spent at least 10% of their income on out-of-pocket medical expenses, according to a recent study by the nonprofit Commonwealth Fund. Still, for most folks, having even limited coverage is better than no health insurance at all. "More than 70% of the people signing up for our [individual] policies were previously uninsured," says Mary Floyd, vice president for individual and senior sales at WellPoint...
Most people save for retirement by focusing on their wealth. But you may accomplish more by focusing on your health. That's because the out-of-pocket costs for diseases that may be avoidable through diet and exercise can be staggering. Getting and staying fit now may be worth tens or even hundreds of thousands of dollars later--a sum that just might exceed the carefully crafted stockpile in your...
...much savings is enough for chronic sufferers? That depends on the severity of the ailment and the level of coverage. But consider that Medicare spends four times as much on unhealthy people as it does on healthy ones; out-of-pocket costs from deductibles and co-pays are much higher too. If you have an uncovered, extended nursing-home stay, the cost of health care in retirement may surpass...
Lose weight. Obesity is linked to diabetes, cardiovascular disease, cancer and more. Obese people spend a third more than fit people on health services and three-quarters more on medications, according to Rand Health. The average annual out-of-pocket cost for diabetics is $454, according to an analysis of government data conducted by Nationwide Better Health, a health-management company. But those costs skyrocket to $12,000 or more for the 1 in 2 diabetics who do not carefully tend to their illness, says Nationwide. Bottom line: shed some pounds, avoid these diseases and invest the related windfall from...