If you have health insurance, chances are you are required to fork over a co-pay every time you visit the doctor. If you plan ahead a little, you can maximize the efficiency of your visit, thus saving time, money, and energy.

An added bonus is if your health insurance doesn't charge for "well" visits, that is, a yearly physical. I am lucky that I have such a benefit, so my yearly head-to-toe exam to make sure all my parts are working is free.

I make a list of things I want checked out, moles that may have changed over the year, questions, and the refills I need on my prescriptions. Essentially, if I don't have any other health problems during the year, I will only see my doctor once a year.

Zed goes one step further, by scheduling his yearly physical in October, timed so he can get his flu shot at the beginning of the flu season. (I get my shot free at work).

I love it, and so does my doctor. If you'll forgive me the cliche, it's win-win.

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