Don't Rush to the Doctor

I will preface this by saying that I am NOT a doctor. 

However, if you're fighting a typical cold or runny nose/sore throat issue, maybe hold off going to the doctor for a few days.  A virus can take 7-10 days to run its course and antibiotics don't help a virus.  You'll save yourself $20 or so on a co-pay by waiting it out.  And, you'll stay away from all the other sick people waiting at the doctor's office.  You don't want to catch something else. 

Also, a fever is not a bad thing.  It means your body is fighting.  When you take a medication to lower that fever, you're eliminating a fighter against your illness.  There was a recent study that talked about length of illness in relation to fever reducers.  People that used medication to lower their fevers stayed sick longer than those who didn't.  I will try to find the study and link it on here.  If your fever is below 102, then maybe hold off on taking the Tylenol.  Not only will you save money on the medication, but also (theoretically) shorten your illness which means you save your sick days and reduce your doctor visits.  AND, (I'm on a roll here) generic medications aren't inferior to their named counterparts.  Remember, the FDA regulates all medications, so you're getting the same active ingredient and not paying for advertising.     

Just recently, one of my international friends made the comment (while on a visit to the states) about the multitude of drug commercials on television.  Enough said.  Watch your diet (include several servings of fruits and vegetables), get some physical activity, and practice good hygiene.  That and common sense should help you reduce your healthcare expenses.