Health insurance for diabetes type 2

Health insurance for diabetes type 2

It’s official. On November 1, the open enrollment period — the time each year when you can purchase or make changes to a health insurance policy — began. Open enrollment is one of the few annual opportunities you have to make changes to you...Importance of family in diabetes self-care. Diabetes self-management education (DSME) is a critical component of care for all individuals with diabetes. 2 For adults with type 2 diabetes, engaging in diabetes self-care activities is associated with improved glycemic control and can prevent diabetes-related complications. 2–5 Much of a patient’s …State children's health insurance program. The Children's Health Insurance Program (CHIP) is designed to provide coverage to children and teens up to age 19 whose families may have too great an income or assets to qualify for Medicaid, but who may not be able to afford health insurance. Contact the CHIP program in your state or the state Health ... As of March 1, 2023: Lilly is expanding its Insulin Value Program that caps out-of-pocket insulin costs for legal U.S. residents to $35 or less per month. Whether you have …People with diabetes face serious health challenges outside of managing their insulin. They’re three times more likely to be hospitalized with cardiovascular disease and 20 times more likely to be hospitalized for lower limb amputation. ... People with Type 2 diabetes make up 90 per cent of all people living with the disease. And unlike Type ...The return on investment of preventing type 2 diabetes with the National DP; Help Employees with Diabetes or at Risk for Type 2 Diabetes. The good news is you CAN do something to keep your employees healthier, maintain productivity, and control medical costs by reducing their risk for type 2 diabetes and diabetes-related complications.Lifestyle choices, including eating a healthy diet, exercising and staying at a healthy weight, are key to managing type 2 diabetes. But you also might need to take medication to keep your blood sugar, also called glucose, at a healthy level. Sometimes one medication is enough. In other cases, taking several medications works better.12 มิ.ย. 2566 ... Learn more about signs and symptoms of type 2 diabetes. Check ✓ Type 2 ... Health Insurance Plan for Diabetes Patients · How to Increase Red ...This Health Insurance Guide was originally created by JDRF, and is summarized here as part of the JDRF – Beyond Type 1 Alliance. Editor’s Note: People who take insulin require consistently affordable and predictable sources of insulin at all times. If you or a loved one are struggling to afford or access insulin, click here.Studies show people with prediabetes who take part in a structured lifestyle change program can cut their risk of developing type 2 diabetes by 58 percent (71 percent for people 60 and older). NDPP costs may be covered by your health insurance. Private employer insurances may cover this benefit. Call the number on your insurance card to find out.Here’s how to compare options and make sure you have the coverage you need. When you have diabetes, adequate and affordable health insurance is necessary to help you get the supplies, medications, education, and health care you need to manage diabetes and prevent or treat complications. But choosing a health insurance plan can feel like an ...Type 2 diabetes Travel Insurance. It’s estimated that more than 2.7 million people are diagnosed with type 2 diabetes in the UK. AllClear can offer specialist type 2 diabetes Travel Insurance that you can rely on. ... Kay’s research interests include travel health and IBD. 1 - Covid cover rated Superior by a leading independent UK Consumer ...Type 2 risks Toggle for Nested Menu Items - sub menu closed. ... Insurance and diabetes. Kids with diabetes in school. Self-care in public places. ... If you're living with diabetes, you may have higher health care-related costs than people without diabetes. Financial assistance programs can help offset some of the costs associated with ...In Canada, the following programs and services may provide assistance for diabetes medications and supplies: Private drug plans. Provincial Government Assistance Programs. First Nations, Inuit and Aboriginal Health. British …However, some people with type 2 diabetes have symptoms so mild that they go unnoticed. Common symptoms of diabetes: Urinating often. Feeling very thirsty. Feeling very hungry—even though you are eating. Extreme fatigue. Blurry vision. Cuts/bruises that are slow to heal. Tingling, pain, or numbness in the hands/feet (type 2)Living with type 2 diabetes comes with its share of challenges. One hurdle may be the cost of medication and supplies. According to the American Diabetes …Type 2 diabetes is a condition in which you have too much sugar (glucose) in your blood. Glucose is a type of sugar produced in your body when carbohydrates and other foods are digested. It provides energy to cells throughout the body. Normally, blood sugar levels increase after you eat a meal. When blood sugar rises, cells in the release ... Type 1 diabetics, for instance, will typically pay more for health insurance than type 2 diabetics. While type 1 can live healthy “normal” lives, they still must rely on medications and insulin pumps. With most insurance companies, a type 1 diabetic will receive a substandard rating. Because type 2 can be controlled and managed, type 2 ...Social Determinants of Poor Management of Type 2 Diabetes Among the Insured. 2020 Nov 5;20 (11):67. doi: 10.1007/s11892-020-01354-4. Department of Health Behavior and Health Education, University of Michigan School of Public Health, 1415 Washington Heights, SPH 1, Room 3810, Ann Arbor, MI, 48109-2029, USA. …As of March 1, 2023: Lilly is expanding its Insulin Value Program that caps out-of-pocket insulin costs for legal U.S. residents to $35 or less per month. Whether you have …Learn more about health insurance protections under the ACA which impact people with diabetes by calling 1-800-DIABETES (342-2383) and asking for our fact sheet "Health Insurance Update: Protections for People with Diabetes". You can also learn more at www.healthcare.gov. Health insurance marketplaces The Health Insurance Marketplace in each state offers a single application to determine whether a person is eligible for Medicaid or eligible for help purchasing private health insurance through the Marketplace. For more information on the Health Insurance Marketplaces, visit www.healthcare.gov or call 1-800-318-2596.Type 2 diabetes is the most common type of diabetes. The chance of being diagnosed increases as you get older, especially after age 45. ... We accept most health insurance plans, including Blue Cross and Blue Shield of …High % of diabetes among 70-79-year old at 13.2%; Type 1 diabetes increases by 3-5% in India each year; Type 2 diabetes increases by 8% on an average each year; Lifestyle, dietary habits, cholesterol, obesity, environment, pollution, etc. are some factors that contribute to a high number of diabetics in the country That is about 1 in every 10 people. Diabetes occurs when your blood sugar (glucose) is too high. Over time, having high blood sugar can cause serious health problems. You can prevent or delay these problems by eating healthy meals, being physically active, monitoring your blood sugar, and taking the medicine your doctor prescribes.Mounjaro is a GLP-1 agonist for type 2 diabetes. There is a shortage of this drug because of its popularity for weight loss. ... • $1,749 up front without insurance: yes: K Health: type 2 ...If you or someone you know has been diagnosed with type 2 diabetes, it’s time to get the facts. Knowing basic facts and common treatments for type 2 diabetes will empower you to take control of your health and make smarter decisions.Key facts. Type 2 diabetes develops when the body does not make enough insulin or it does not respond to it effectively. You need insulin to process the glucose in your food to give you energy. Symptoms include feeling tired, hungry or thirsty, and passing more urine. Lack of physical activity, being overweight and a poor diet increase the risk ...If you have either type 1 or type 2 diabetes, you may be eligible for certain benefits, depending on the extent to which your condition affects your life. Everyone in the UK with diabetes is entitled to free, regular eye checks from the age of 12, which screens for eye problems linked to diabetes, like diabetic retinopathy.Here’s how to compare options and make sure you have the coverage you need. When you have diabetes, adequate and affordable health insurance is necessary to help you get the supplies, medications, education, and health care you need to manage diabetes and prevent or treat complications. But choosing a health insurance plan can feel like an ...Diabetes medical insurance plans cover hospitalization expenses for Type 1 and Type 2 Diabetes and related complications of diabetes. Read More Diabetic patients in India might find it difficult to find an affordable health insurance plan that covers diabetes-related medical costs.Dec 14, 2022 · There are several ways to get healthcare covered with type 2 diabetes, including: Private insurance The Health Insurance Marketplace at HealthCare.gov Medicaid: This is coverage for people with low incomes, and eligibility depends on state Medicare: If you are 65 and older, have late-stage kidney disease, or are living with a qualifying disability Your 12-month journey through the Medibank Type 2 Diabetes Program is divided into three phases. Phase 1: Weight loss (From week 1 for 12-18 weeks) The focus of the weight loss phase is to establish your diet and—when you’re ready—light to moderate physical activity. Your dietitian will support you as you change to a daily diet of two ...Americans account for just over 7% of the world's cases. In total, an estimated 6.28% of the world’s population is impacted by type 2 diabetes, clocking in at a prevalence rate of 6,059 cases per 100,000 people. That number is expected to rise to 7,079 individuals per 100,000 people by 2030. Even more, over one million people die every year ...Type 2 diabetes, Type 2 diabetes, the more common type, is usually seen in adults and occurs when the body becomes resistant to insulin or doesn't make enough of it. ... where medicines are much more expensive and are not covered by the health insurance. Ms.Do I have to have health insurance? Starting in 2014, most individuals must have health insurance. Plans purchased in the Marketplace will meet this requirement, and so will …17 ม.ค. 2566 ... ... health insurance with diabetes coverage. Key takeaways. Things to keep in ... type 1 and type 2 diabetes coverage that excludes certain costs.If you or someone you know has been diagnosed with type 2 diabetes, it’s time to get the facts. Knowing basic facts and common treatments for type 2 diabetes will empower you to take control of your health and make smarter decisions.Adequate and affordable health insurance is important for people with diabetes to help them access the supplies, medications, education and health care to manage their diabetes and prevent, or treat, complications. In the past, obtaining health insurance could be difficult for people with diabetes, however recent reforms improve access to coverage.Type 2 diabetes is a lifelong (chronic) disease in which there is a high level of sugar (glucose) in the blood. Type 2 diabetes is the most common form of diabetes. Over the past several years, our collective diets have grown unhealthier, and our waistlines have expanded as a result. Doing so, we're putting ourselves at risk for a number of ...The short answer is "Yes." Under most laws, diabetes is a protected as a disability. Both type 1 and type 2 diabetes are protected as disabilities. People with diabetes can do any type of job, sport or life goal. People with diabetes of all types are protected as people with qualifying disabilities. But being protected from discrimination does ...Summary. Trulicity is a once-a-week injectable medication that people with type 2 diabetes can use to help maintain control of their blood sugar levels. Some Medicare Part D plans cover Trulicity ...If you have either type 1 or type 2 diabetes, you may be eligible for certain benefits, depending on the extent to which your condition affects your life. Everyone in the UK with diabetes is entitled to free, regular eye checks from the age of 12, which screens for eye problems linked to diabetes, like diabetic retinopathy.We can help you with travel insurance. EHIC cards: To apply for a free card go to www.ehic.org.uk, call the EHIC application line on 0845 606 2030 or pick up an application form at a Post Office. The Diabetes UK Helpline is here to give support and information about diabetes: [email protected] or call 0345 123 2399*. Adequate and affordable health insurance is important for people with diabetes to help them access the supplies, medications, education and health care to manage their …Most private (commercial) insurance companies cover Ozempic for type 2 diabetes, but different insurance plans cover different medicines, and this can change over time. Your coverage and cost depends on your plan and plan benefits. ... Medicaid is a US government-run health insurance program that provides medical assistance for eligible …Health Insurance for Diabetes, High BP and High BMI protect you and your loved ones against the most common lifestyle diseases and provides you with the financial freedom to pay your medical bills for treatment and medication. Annual Health Check-up. No Pre-Policy Medical Check-up. Life-long renewability. Tax Benefit u/s 80 D.High % of diabetes among 70-79-year old at 13.2%; Type 1 diabetes increases by 3-5% in India each year; Type 2 diabetes increases by 8% on an average each year; Lifestyle, dietary habits, cholesterol, obesity, environment, pollution, etc. are some factors that contribute to a high number of diabetics in the countryHere is a rundown of some of the other options that may improve your health and diabetes management. While you are likely familiar with metformin and insulin as the two well-known medications for treating type 2 diabetes, many other options are available to help you manage your glucose ... Depending on your insurance coverage, ...A healthy diet, regular physical activity, maintaining a normal body weight and avoiding tobacco use are ways to prevent or delay the onset of type 2 diabetes. Diabetes can be treated and its consequences avoided or delayed with diet, physical activity, medication and regular screening and treatment for complications.The Energy health plan from HDFC ERGO is specially designed for people with Diabetes and Hypertension. The Energy plan covers your diabetes and its complications; it also partners you in living with diabetes successfully.A health insurance plan that genuinely understands diabetes. According to WebMD, out-of-pocket costs for patients with type 1 diabetes and insurance coverage average $2,500 a year in costs. The average health insurance premium for a healthy individual ...When you understand your insurance costs, you can make better decisions about the type of policy that’s right for you and the kind of coverage you need. While this is true of all insurance, this guide highlights health insurance costs to il...Health Care Providers. Health care providers play a crucial role in helping their patients prevent or delay type 2 diabetes and manage all types of diabetes. The following resources can support your efforts to screen, test, and refer people to type 2 diabetes prevention and diabetes management programs and services.Type 2 diabetes is a condition in which the body becomes resistant to the normal effects of insulin and gradually loses the capacity to produce enough insulin in the pancreas. The condition has strong genetic and family-related (non-modifiable) risk factors and is also often associated with modifiable lifestyle risk factors.. Type 2 diabetes is a long-term medical condition in which your body doesn’t use insulin properly, resulting in unusual blood sugar levels. Learn more about the symptoms, causes, diagnosis, and ...Health Insurance for Diabetics Health Insurance for Diabetes Diabetes health insurance helps you manage the high cost of diabetes treatment and related …Jul 21, 2023 · Stroke. Blindness. Nerve damage, which can lead to amputation (removal by surgery) of a toe, foot, or leg. Kidney failure. The good news is that you can do a lot to prevent or delay getting type 2 diabetes, including: Reaching and staying at a healthy weight. Staying active. Type 2 diabetes is a condition in which you have too much sugar (glucose) in your blood. Glucose is a type of sugar produced in your body when carbohydrates and other foods are digested. It provides energy to cells throughout the body. Normally, blood sugar levels increase after you eat a meal. When blood sugar rises, cells in the release ... Type 2 diabetes is not the only type of diabetes, but it is by far the most common.It affects about 95% of all people with diabetes.. There are several different types of diabetes: . Type 1 diabetes (T1D). Type 2 diabetes (T2D) Prediabetes. Gestational (diabetes that is diagnosed in pregnancy) . Other rare types of diabetes (for example, diabetes related …Do diabetes insurance providers offer coverage for both Type 1 and Type 2 diabetes? The majority of insurance providers often pay for both types of diabetes ...If you have more than one plan to choose from during open enrollment, you can use the summary for each plan for easy comparison. Pay special attention to the formulary. This is the list of drugs and some diabetes supplies that the insurance company will cover. Remember, just because you have a prescription doesn’t mean your health plan will ...Health Insurance 101: Selecting the Right Plan For Managing Type 2 Diabetes Health Insurance 101: 3 Things You Should Know When Switching Meds How to Get Help With …Star Health brings you a Diabetes Safe Insurance Policy that covers not just complications of diabetes (both Type I and Type II) but also regular ...Luckily, the Affordable Care Act has given diabetics greater access to cheaper preventive health care plans, including Medicare and …In Canada, the following programs and services may provide assistance for diabetes medications and supplies: Private drug plans. Provincial Government Assistance Programs. First Nations, Inuit and Aboriginal Health. British …Insurers tend to view type 2 diabetes as less of a health risk than type 1 diabetes because it develops later in life and can often be managed with diet, exercise, and sometimes medication, [1] while type 1 diabetes requires lifelong insulin therapy. [2] As a result, you may have less expensive rates with type 2 than type 1.Aditya Birla health insurance for diabetes is a cover offered by Aditya Birla Health Insurance company for people who suffer from this condition.2.1. Participants. A secondary analysis of publicly available data from 15,036 Americans aged 18–64 years with measures of diabetes (objective and self-reported) and health insurance type from the 2005–2006, 2007–2008, 2009–2010, 2011–2012, 2013–2014, and 2015–2016 cross-sectional waves of the National Health and Nutrition Examination Survey (NHANES) was conducted.The Health Insurance Marketplace in each state offers a single application to determine whether a person is eligible for Medicaid or eligible for help purchasing private health insurance through the Marketplace. For more information on the Health Insurance Marketplaces, visit www.healthcare.gov or call 1-800-318-2596. Star Health brings you a Diabetes Safe Insurance Policy that covers not just complications of diabetes (both Type I and Type II) but also regular ...Many health insurance companies have launched insurance plans that offer coverage for diabetes. For example, the ICICI Lombard health insurance cover, as well ...Insurers tend to view type 2 diabetes as less of a health risk than type 1 diabetes because it develops later in life and can often be managed with diet, exercise, and sometimes medication, [1] while type 1 diabetes requires lifelong insulin therapy. [2] As a result, you may have less expensive rates with type 2 than type 1.Type 2 diabetes is a chronic health condition characterized by high blood glucose (sugar) levels. It is known to cause inflammation throughout the body, affecting several body systems. Many major organs, including the heart, blood vessels, nerves, eyes, and kidneys can be affected. Additionally, risk factors for type 2 diabetes are also risk ...People with diabetes are benefiting from the insurance protections and new coverage opportunities. Health insurance protections. Coverage for People with Diabetes: Starting in 2014, job-based plans and new individual plans aren't allowed to deny coverage, charge more, or refuse to cover treatments due to a pre-existing condition, such as diabetes. It’s official. On November 1, the open enrollment period — the time each year when you can purchase or make changes to a health insurance policy — began. Open enrollment is one of the few annual opportunities you have to make changes to you...Gestational diabetes is diagnosed using blood tests. You’ll probably be tested between 24 and 28 weeks of pregnancy. If your risk is higher for getting gestational diabetes (due to having more risk factors), your doctor may test you earlier. Blood sugar that’s higher than normal early in your pregnancy may indicate you have type 1 or type 2 ...People with diabetes are benefiting from the insurance protections and new coverage opportunities. Health insurance protections. Coverage for People with Diabetes: Starting in 2014, job-based plans and new individual plans aren't allowed to deny coverage, charge more, or refuse to cover treatments due to a pre-existing condition, such as diabetes. Results of the study, Income-Related Inequalities in Diagnosed Diabetes Prevalence among U.S. Adults, 2001−2018 show diabetes was more prevalent in low-income populations during 2001−2018 in the U.S. Income-related inequalities in diabetes narrowed during 2001−2011 (annual percentage change [APC] -2.5, p=0.013), and then …We scored costs based on each company’s rates for 52-year-old diabetics for 10- and 20-year term life in coverage amounts of $250,000, $500,000 and $1 million. Guaranteed renewability (10% of ...Disclaimer. Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of ...Get Health Insurance for Type 2 Diabetes Type 2 diabetes is when there is a problem with the way the blood regulates and uses blood sugars. This leads to too …27 ก.ย. 2562 ... ... insurance,-healthcare-concept.-Health-insurance-form,. Rae Ah Chee ... “Because I had been diagnosed with type 2 diabetes, the insurer had ...Health Insurance Aid. Get Connected. Attend Events. Find a Camp. Find Your Local Chapter. bold. bold. Type 2 Diabetes Risk Test. ... Take our 60-Second Type 2 Diabetes Risk Test today to receive actionable next steps in your health journey. Take the Test. Learn About Prediabetes. Life with DiabetesFor the most part, type 2 diabetes is a self-managed condition. However, people with diabetes need supplies like test strips and insulin to monitor their blood sugar and stay healthy. In the past, it was often difficult for …Diabetes screening. Medicare, Medicaid, and private insurance cover type 2 diabetes screening tests at no cost to you if you have high blood pressure, or are ...Mar 14, 2023 · Causes. Type 2 diabetes is mainly the result of two problems: Cells in muscle, fat and the liver become resistant to insulin As a result, the cells don't take in enough sugar. The pancreas can't make enough insulin to keep blood sugar levels within a healthy range. Exactly why this happens is not known. Type 2 diabetes is by far the most common form of diabetes, accounting for up to 95% of adults’ diabetes diagnosis. This sometimes makes it easier to get insurance for than type 1 diabetes, but how much cover you can take out and the premiums you pay will depend on your situation and health-specific factors.Oct 31, 2023 · Treat and reverse type 2 diabetes with Virta. Virta ® is a lifestyle management program designed to help lower A1c, lose weight, and reduce or stop medications.. Access a dedicated medical team, health coaches, supplies, recipes, member support, and more at no additional cost. Data for this report were analyzed from the Natural Experiments for Translation in Diabetes 2.0 (NEXT-D2) Study, which uses data collected from their partner network to examine how major policies and interventions affected diabetes management and type 2 diabetes prevention. NEXT-D2 is a follow-up to the NEXT-D study that was mandated by health ...It was estimated by the American Diabetes Association (ADA) that the economic costs of diabetes in the United States in 2017 had increased by 26% from 2012 because of increased prevalence of diabetes and the increased cost per person with diabetes. 1 Care for people with diabetes accounted for 1 in 4 spent dollars in health in the United States ... 5 ก.ค. 2566 ... Socioeconomic inequalities in type 2 diabetes comorbidities in different population subgroups: trend analyses using German health insurance data.Key facts. Type 2 diabetes develops when the body does not make enough insulin or it does not respond to it effectively. You need insulin to process the glucose in your food to give you energy. Symptoms include feeling tired, hungry or thirsty, and passing more urine. Lack of physical activity, being overweight and a poor diet increase the risk ...Jun 2, 2016 · But with the medication and equipment use, you will need to pay much more than $100 per day depending on your needs. Instead of staying in Canada for the treatment, if you wish to fly home to California for the treatment, the special arrangement can easily be upward of $15,000. Type 1 is most often seen in children and young adults. Type 2 diabetes occurs when your body doesn't use insulin well. It can lead to serious health problems like heart attack, stroke, blindness, kidney failure, and loss of toes, feet, or legs. Two out of five adults are expected to develop type 2 diabetes in their lifetime.The cost of life insurance for Type 1 diabetics depends on your age, blood sugar levels, diet and exercise, medication compliance, and whether your diabetes has become severe enough to affect the health of major organs. Life Insurance Costs for Type 2 Diabetes. Life insurance for Type 2 diabetics, who make up about 95% of all diabetics in the U ...... diabetics typically depends on the type of diabetes, your age, and your general health ... Can I get life insurance with Type 1 or Type 2 diabetes? You can ...Finding health insurance for your small business doesn’t need to be difficult. We’re here to make it easier, with a helpful guide. Business owners say finding the right health insurance is one of the most challenging tasks of running their ...The good news: there are ways to prevent type 2 diabetes. That’s why we want to provide Canadians with access to information that empowers them to take the steps they need to manage or stop diabetes. By improving the health and wellness of our Clients, Employees, advisors and the community, we’re helping build brighter, healthier ...The right Medigap provider and plan are key to day-to-day and long-term diabetes management. A chronic health condition such as diabetes can result in costly out-of-pocket expenses. According to GoodRx, those with diabetes who have insurance spend over $4,800 per year on diabetes-related medical costs.0:00. 0:45. FedEx will introduce a specialized healthcare plan option for employees with type 2 diabetes in 2023 among other changes to its employee benefits. In a newsletter distributed to ...With Medicare annual open enrollment about to close on Dec. 7, Medicare experts are discovering many insurance plans are dropping some insulin coverage in …Type 2 diabetes screening is covered for those with high blood pressure. Additionally, blood pressure screenings, obesity screening and counseling, and diet counseling for those who are at a higher risk for a chronic disease, such as diabetes or heart disease. Insurance plans are required to cover other services for women and children. When the time comes for you to choose a health insurance plan, you may find the choices overwhelming. All the options that are available to you can make the decision-making process difficult.Jul 24, 2023 · Key takeaways: Ozempic (semaglutide) is an FDA-approved medication that treats Type 2 diabetes. On average, the retail price ranges anywhere from $1,000 to $1,200 or more for one pen, depending on the pharmacy you visit. If you have health insurance, you may be able to get Ozempic covered if it’s being used as a treatment for Type 2 diabetes. The Health Insurance Marketplace in each state offers a single application to determine whether a person is eligible for Medicaid or eligible for help purchasing private health insurance through the Marketplace. For more information on the Health Insurance Marketplaces, visit www.healthcare.gov or call 1-800-318-2596.That is about 1 in every 10 people. Diabetes occurs when your blood sugar (glucose) is too high. Over time, having high blood sugar can cause serious health problems. You can prevent or delay these problems by eating healthy meals, being physically active, monitoring your blood sugar, and taking the medicine your doctor prescribes.The Health Insurance Marketplace in each state offers a single application to determine whether a person is eligible for Medicaid or eligible for help purchasing private health insurance through the Marketplace. For more information on the Health Insurance Marketplaces, visit www.healthcare.gov or call 1-800-318-2596.2. Cashless Hospitalization. Health insurance with Diabetes cover has a cashless feature where your medical expenses and bills will be settled by your insurance provider directly with the network hospital. As a result, you might not have to bear anything out-of-your pocket and can save yourself from high expenditures. 3.