3. Ask lots of questions. When your doctor tells you to come back in 3 weeks, 6 months, or a year, ask, “Why?”  “A phone call may be suffice,” says Arthur Garson Jr., MD, Dean and Vice President of the University of Virginia School of Medicine and author of Health Care Half Truths:  Too Many Myths, Not Enough Reality.  When a specialist orders a test, like an MRI or an x-ray, ask your primary care physician if it’s necessary.  Seventeen percent of US adults say their doctors have ordered duplicate medical tests according to a survey by the Commonwealth Fund, a nonpartisan health care foundation in New York City.  If you’re going to get a second opinion, see if you can sign out your x-rays or MRI scans from your doctor and bring them with you. 

Of course, never do anything that jeopardizes the health care you need.  But always be a thoughtful and vigilant buyer of health care services.

Steve Diggs presents the No Debt No Sweat! Christian Money Management Seminar at churches and other venues nationwide. Visit Steve on the Web at www.stevediggs.com or call 615-834-3063. The author of several books, today Steve serves as a minister for the Antioch Church of Christ in Nashville. For 25 years he was President of the Franklin Group, Inc. Steve and Bonnie have four children whom they have home schooled. The family lives in Brentwood, Tennessee.

A complete financial compendium, 19 chapters
• What you can do today to get out of debt and kill the Debt Monster
• A,B,C's of handling your money God's way
• How to save, invest, and retire wisely
• How mutual funds work
• How to stop fighting over money
• What to teach your kids about money
• Learn how home & car buying, college financing and insurance work.
• How to develop a budget that works -- forever!
• Features simple charts, graphs, and easy-to-use forms.

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