Take advantage of preventive care Even if you have a bare-bones, high- deductible plan, any screenings or other "preventive" care you need should be included – meaning, you're not responsible for a copay or other out-of-pocket costs.
That includes getting screened for diabetes, cholesterol and blood pressure. "Typically, breast cancer screenings are also free [and] immunizations such as getting the flu shot," says Carter.
The American Academy of Family Physicians periodically updates a handy cheat sheet with recommended screenings by age, although your doctor might recommend something different depending on your personal and family medical history or risk factors.
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