7 Ways You Can Save on Medical Bills

Open enrollment season is here, which means you’re staring at a stack of health insurance options, wondering which one will cost you the least while still giving you great care. Here’s the secret: the smartest plan might not be the most expensive one. Pairing the right insurance with Direct Primary Care (DPC) can save you a ton of money. Here’s how it works: Instead of paying for a high-cost, low-deductible insurance plan that you rarely use, choose a lower-premium, high-deductible plan for the “big stuff” like hospital stays, specialists, and emergencies. Let DPC handle your everyday care. At Impact Family Wellness, your DPC membership covers: Unlimited visits with your provider No copays, ever Same- or next-day appointments Extended visits so you actually have time to talk about your health Transparent pricing for labs, imaging, and medications That means you do not have to run every cough, ache, or prescription refill through your insurance. You get better access to care and you keep more money in your pocket. The game-changing news: Starting January 1, 2026 , you can use your Health Savings Account (HSA) to pay for your DPC membership. This is significant because it means your DPC fees can now be paid with pre-tax dollars, thereby lowering your taxable income while providing the care you need. How to set yourself up for maximum savings during open enrollment: Choose a high-deductible health plan (HDHP) that is HSA-eligible. Open or contribute to your HSA . This account allows you to pay for qualified medical expenses, including DPC memberships starting in 2026, using tax-free dollars. Sign up for DPC to enjoy unlimited access to your provider for one low monthly rate. Use insurance only when you need it such as for specialist visits, hospital care, or major procedures. Why it works: You stop overpaying for coverage you do not actually use and start paying for care that you can access anytime. It is the best of both worlds. Affordable, everyday healthcare from DPC and financial protection from insurance for the big stuff. This open enrollment, do not just pick a plan. Pick a strategy. DPC, combined with the right insurance and an HSA, is the ultimate combination for saving money and receiving the care you deserve.

Key Takeaways Mental health affects everyone , but minority groups often face more challenges in getting care due to stigma, cultural barriers, and limited access to services. Minority Mental Health Month was established to bring attention to these disparities and encourage action that leads to more equitable mental health support. Cultural beliefs, mistrust in the healthcare system, and lack of resources all contribute to gaps in care for racial, ethnic, and underserved communities. Native American and multiracial adults have some of the highest reported rates of mental illness , but underdiagnosis and access issues affect many groups. Solutions include raising awareness, promoting culturally competent care, improving access through integrated care models, and supporting inclusive policies. You can help by supporting advocacy organizations, sharing stories, learning about inclusive care, and participating in community events during Minority Mental Health Month.  Why Minority Mental Health Deserves Attention and Support Nearly 1 in 5 adults in the United States live with a mental illness each year, according to the National Institute of Mental Health (NIMH) . That number alone shows how common mental health struggles are. But what’s not always talked about is how different the experience can be for people in minority communities. Each July, Minority Mental Health Awareness Month is recognized to bring attention to these differences. The month was started in 2008 in honor of Bebe Moore Campbell, a writer and mental health advocate. She worked hard to raise awareness about how racial and cultural differences can make it harder to get mental health care. When we talk about “minority” in this context, we mean people that have historically had less access to resources and support. This includes: Racial and ethnic groups , like Black, Hispanic, Asian, and Indigenous communities Immigrants and refugees People who speak languages other than English Mental health affects everyone, but it doesn’t affect everyone in the same way. For minority groups, the challenges are often shaped by life experiences like discrimination, language barriers, or cultural beliefs. These factors can lead to more stress, fewer treatment options, or feeling uncomfortable talking about mental health at all. This is what we mean by minority mental health , the way mental health is experienced and treated within these groups. It includes not just the symptoms of conditions like depression or anxiety, but also the extra barriers many people face when trying to get care. Understanding these differences is a step toward creating more fair and supportive mental health systems for everyone. The Extra Challenges Some Minorities Face With Mental Health A. Cultural & Social Barriers In some cultures, talking about mental health is still seen as a sign of weakness. People might be told to keep things private or “tough it out.” This kind of stigma can make someone feel embarrassed or ashamed to seek help, even when they’re struggling. For example, Black communities in the U.S. have faced discrimination in healthcare for generations. Because of this, some people may be less likely to seek care, or feel unsure if they’ll be treated fairly when they do. B. Structural Disparities in Healthcare Even when someone is ready to get help, the system doesn’t always make it easy. Here are a few common barriers: Lack of bilingual or culturally aware providers – It’s not always easy to find a therapist who speaks your language or understands your culture. This can make it hard to explain what you’re feeling or trust that the provider really “gets it.” Limited or no insurance – Many people from minority groups are more likely to be uninsured, which makes it hard to afford mental health care. Underdiagnosis or misdiagnosis – Symptoms may look different across cultures. Without proper training, some providers might miss signs of mental health conditions, or label them incorrectly. Not enough providers in the area – In many communities, especially rural or low-income ones, there are not enough mental health professionals available. This makes the wait times longer and the access much harder. C. Socioeconomic Pressures Mental health doesn’t exist in a bubble, it’s deeply connected to a person’s life situation. Many minorities face higher rates of poverty, unemployment, or chronic illness. These ongoing stresses can increase the risk of anxiety, depression, or trauma. For immigrants and refugees, there can also be extra layers like language barriers, fear of deportation, or past trauma from war or displacement. Discrimination and racism, both daily and systemic, can also cause long-term emotional harm. All of these things make mental health challenges more likely, and getting care even harder. Which Minorities Groups Struggle the Most With Mental Health According to the most recent data from American Psychiatric Association , the group with the highest reported rate of mental illness in the U.S. is American Indian and Alaska Native adults, at approximately 26%. This number is especially concerning when combined with high rates of poverty, substance use, and suicide in these communities. Here’s a snapshot of the data on adults who reported experiencing any mental illness in the past year: White: About 23% report mental illness. Multiracial: Around 34%, which is also higher than the national average. Black: Around 17%. Hispanic/Latino: Roughly 18%. Asian: About 14%, the lowest reported rate. At first glance, it might seem like some groups have lower rates of mental illness. But those numbers may not reflect the full picture. Lower reported rates don’t always mean fewer people are struggling. In fact, they may reflect other issues: Underdiagnosis – Some symptoms may not be recognized or may be mistaken for something else. Access barriers – If people can’t get mental health care, they’re less likely to have a formal diagnosis. Stigma or fear – People in some communities may avoid seeking help due to fear, cultural beliefs, or past negative experiences. So, while the data gives us a starting point, it’s important to read it with care. Each group’s experience is shaped by many layers, from personal struggles to systemic issues. What Can Help Make Mental Health Care More Fair There are ways to make the system better, especially for communities who’ve been left out or overlooked. Making mental health care more fair means listening to what people need, removing barriers, and making sure support is available in a way that feels safe and respectful. Raise Awareness and Reduce Stigma One of the biggest steps is simply talking about mental health more openly. Campaigns like Make It OK and organizations like the Black Mental Health Alliance (BMHA) work to change how people think about mental health, helping communities understand that it’s okay to ask for help, and that mental illness is not a personal failure. When people hear others share their stories, it can break down fear and silence. Education helps everyone, including families, schools, and workplaces feel more confident in offering support and understanding. Train Providers in Culturally Competent Care Mental health professionals need to understand the values, language, and lived experiences of the people they’re trying to help. That’s where culturally competent care comes in. It means providers are trained to respect and respond to different backgrounds and beliefs, without making assumptions, like: Listening without judgment Offering care in a person’s native language (or having interpreters available) Understanding how trauma, racism, or community values affect mental health Providers who take the time to learn and grow in this way can build stronger trust and give better care. Bring Mental Health Into Primary Care Another helpful change is connecting mental health care with primary care , the type of everyday health visits people are already used to. When mental health is treated like any other part of health, it becomes easier to talk about and easier to access. Direct Primary Care (DPC) models are well-positioned to do this. By giving more time to each patient and building strong provider relationships, DPC allows mental and physical health concerns to be addressed together, in a more personal and low-pressure setting. Support Policy Changes That Increase Access Some changes need to happen at the system level. That includes pushing for: Mental health parity laws , so insurance plans must treat mental health the same as physical health Incentives to bring more providers into underserved areas, including rural or low-income communities More funding for school-based programs , community centers, and crisis care Support for mobile or telehealth services , which can make it easier for people to get help from wherever they are These policy changes take time, but they can make a big impact by expanding access and removing long-standing barriers. Supporting Minority Mental Health Month Minority Mental Health Month, recognized each July, is a time to pause, reflect, and take action. It’s a chance to highlight the mental health experiences of communities that often go unheard, and to support real steps toward equity in care. Share Stories That Need to Be Heard Listening to and sharing the voices of people from minority backgrounds helps bring awareness to real challenges, and real resilience. It may be a personal experience or a post from an advocacy group, sharing these stories (with permission and respect) helps reduce stigma and create understanding. It also reminds others that they’re not alone. Support Nonprofits Doing the Work There are many organizations working year-round to improve mental health access and support for underserved communities. A few to explore or donate to: NAMI (National Alliance on Mental Illness) – Offers education, support, and advocacy across the U.S. BMHA (Black Mental Health Alliance) – Focuses on culturally-relevant mental health care for Black communities Active Minds – Promotes mental health awareness, especially among students and young adults Even a small donation, a social media share, or volunteering time can make a meaningful impact. Advocate for More Inclusive Policies Advocating for more inclusive policies means calling for change in schools, workplaces, and communities to better serve people from all backgrounds. This can include supporting mental health education in public schools, pushing employers to offer mental health benefits that reflect the needs of diverse employees, and encouraging local leaders to invest in mental health services in underserved neighborhoods. Learn and Share What Culturally Competent Care Looks Like Culturally competent care means health providers understand and respect a patient’s background, values, and lived experiences. When providers are trained to offer this kind of support, patients are more likely to feel safe, heard, and willing to continue treatment. Learning about culturally competent care, and encouraging others to do the same, helps shift the focus toward more respectful and effective mental health practices for minority communities. Attend or Host an Educational Event Events are a great way to raise awareness and build understanding. Attending a local mental health workshop, panel discussion, or webinar during Minority Mental Health Month can help people learn more about the issues and how to be part of the solution. You can also organize your own event, even something simple, like a book discussion, community talk, or team lunch-and-learn. Conclusion: Mental Health Equity Is a Public Health Imperative For many minority communities, support is harder to find and sometimes not even offered in a way that makes sense for their lived experience. That needs to change. Equity in mental health means making sure everyone, no matter their background, has access to care that is respectful, affordable, and truly helpful. It means removing barriers and building a system that sees and serves the whole person. This change won’t happen all at once, but it starts with awareness, and grows through action. Talk about these issues with people around you. Share stories that need to be heard. Support policies and programs that bring care to those who’ve been left out. Everyone deserves to feel mentally well. Everyone deserves to be treated with dignity. And together, we can help build a future where that’s not the exception, it’s the norm.

In celebration of the dedication and compassion nurses bring to their patients and communities, Impact Family Wellness is proud to honor local nurses serving Cedar Park, Liberty Hill, and Thorndale. As a Direct Primary Care (DPC) practice founded and led by Family Nurse Practitioner Monica McKitterick, the clinic understands firsthand the impact nurses make in transforming everyday healthcare. “Our nurses are often the first to listen, the last to leave, and always the ones advocating for their patients,” said McKitterick. “At Impact Family Wellness, we’ve built our practice on those same principles—accessibility, trust, and care that goes beyond the chart. This recognition is just a small way to say thank you to the nurses who live those values every day.” Throughout this recent National Nurses Week and beyond, Impact Family Wellness is spotlighting nurses across its service areas through patient stories, staff highlights, and small tokens of appreciation. Whether in primary care, hospitals, schools, or home health, these nurses are often the backbone of a patient’s journey to wellness. Community members who want to show their support can consider: Participating in National Nurses Week events like “ Nurses Light Up the Sky ” to honor nurses' contributions. Volunteering at local clinics or hospitals to help lighten the load for nursing staff. Donating to nurse-focused fundraisers that support continuing education or wellness resources. Expressing gratitude through personal gestures —such as thank-you notes, care packages, or meals. Nurses align naturally with the DPC model because they prioritize building relationships, understanding patients’ unique needs, and providing timely, judgment-free care. In rural and suburban communities alike, their contributions help close gaps in the healthcare system—especially for those navigating chronic conditions or lacking access to affordable care. The team at Impact Family Wellness invites patients, families, and community members to join in recognizing the incredible nurses around them. Whether it’s a thank-you message, a shared memory, or a heartfelt compliment, every gesture counts in honoring the people who make healthcare more human. About Impact Family Wellness Impact Family Wellness is a Direct Primary Care (DPC) practice dedicated to providing personalized, patient-centered healthcare in Cedar Park, Liberty Hill, and Thorndale, Texas. Founded by Family Nurse Practitioner Monica McKitterick, the practice offers affordable, accessible care without the constraints of traditional insurance. Through the DPC model, patients receive direct access to providers, longer appointment times, and transparent pricing. For more information, visit impactfamilywellness.com/ .

During Men’s Health Month, Impact Family Wellness emphasizes the importance of preventive care in helping men take control of their long-term health. From annual physicals to mental health support, the clinic highlights essential screenings and services that can detect health issues early and support better outcomes.

Key Takeaway: Every man should make it a point to schedule these 15 key checkups: Annual Physical Exam Blood Pressure Screening Cholesterol Testing Diabetes Screening Colorectal Cancer Screening Prostate Cancer Screening Testicular Exam Lung Cancer Screening Mental Health Checkup Immunization Updates Eye & Vision Screening Dental Checkups Skin Cancer Screening Hormonal Health & Testosterone Testing Bone Density Test (DEXA Scan) For men, health needs shift with age, making it even more important to adopt preventive care practices tailored to each life stage. From managing blood pressure in your 20s to screening for chronic conditions after 40, each decade brings its own set of recommended evaluations. While many may feel fine, checkups are not just for when something feels wrong, but a reliable way to stay on top of long-term health. So, how often should men get checked out? At a minimum, a yearly visit with a primary care provider is recommended. This allows for consistent monitoring and the opportunity to adjust care based on changing health markers or lifestyle habits. 1. Annual Physical Exam The annual physical exam provides a comprehensive snapshot of overall wellness and helps build a lasting relationship with a healthcare provider. During this visit, doctors assess vital signs, review medical history, and often perform basic lab work to evaluate markers such as cholesterol and blood sugar. What Age Should A Man Get A Physical? Ideally, routine physicals should begin in the early 20s and continue yearly thereafter, even if no symptoms are present. Regular exams can identify subtle changes that might otherwise go unnoticed. How Much Does An Annual Physical Exam Cost? At Impact Family Wellness , this service is included in a membership that starts at $75 per month , which also covers unlimited office visits with no unexpected charges. This model removes common barriers to care and encourages consistent monitoring. 2. Blood Pressure Screening Blood pressure checks are a simple yet highly informative screening that can detect one of the leading contributors to heart disease: hypertension. High blood pressure often has no symptoms, which is why it's important to monitor it regularly—even for those who feel healthy. Men should begin having their blood pressure checked at age 20 , with annual follow-ups. If readings are elevated or there's a family history of heart conditions, more frequent checks may be necessary. Keeping blood pressure within the recommended range reduces the risk of heart attack, stroke, and kidney damage. 3. Cholesterol Testing High cholesterol can quietly increase the risk of cardiovascular issues. A standard lipid panel measures total cholesterol, LDL ("bad" cholesterol), HDL ("good" cholesterol), and triglycerides. These levels help determine whether lifestyle changes or medications are needed. Men should have their cholesterol levels tested every 4 to 6 years starting at age 20 , unless they have additional risk factors such as obesity, diabetes, or a family history of heart disease. In such cases, more frequent testing is often advised. Regular monitoring allows for early intervention and better long-term heart health outcomes. 4. Diabetes Screening Type 2 diabetes often develops gradually, making early detection through screening essential. Elevated blood sugar levels can cause damage to organs and nerves long before any symptoms appear. A fasting blood glucose test or A1C test is commonly used to assess risk. Screening is recommended every three years starting at age 35 , but men with additional risk factors—such as obesity, a sedentary lifestyle, or a family history of diabetes—may need to begin earlier and test more frequently. Identifying elevated glucose levels early allows for dietary and lifestyle changes that can delay or even prevent the onset of diabetes. 5. Colorectal Cancer Screening Colorectal cancer is one of the most preventable types of cancer when caught early through regular screening. A colonoscopy is considered the most effective method, as it not only detects cancer but can also remove polyps before they become problematic. At what age should a man get a colonoscopy? Current guidelines recommend beginning at age 45 for average-risk men. Those with a family history of colorectal cancer should consult their provider about starting even earlier. While colonoscopy remains the gold standard, there are less invasive alternatives like stool-based tests, which may be an option for those at lower risk or who prefer a non-invasive approach. 6. Prostate Cancer Screening Prostate cancer is one of the most common cancers among men, but it's often slow-growing and highly treatable when detected early. Screening typically involves a prostate-specific antigen (PSA) blood test, sometimes paired with a digital rectal exam (DRE). Most guidelines suggest starting at age 50 for average-risk men. However, those with a family history or who are part of higher-risk groups—such as African American men—may benefit from earlier testing. Discussing the benefits and risks with a healthcare provider can help determine the right time to begin screening. 7. Testicular Exam Although testicular cancer is relatively rare, it tends to affect younger men, particularly those between the ages of 15 and 35. Because of this, awareness and routine checks are important early in life. Doctors recommend monthly self-exams beginning in the late teens or early 20s. These help men become familiar with their normal anatomy, making it easier to notice any unusual lumps, swelling, or discomfort. In addition, testicular exams should be a part of routine physical checkups with a healthcare provider. 8. Lung Cancer Screening Lung cancer is the leading cause of cancer death globally, often because it’s diagnosed at a later stage. Fortunately, early detection through screening can significantly improve outcomes. Men between the ages of 50 and 80 who have a significant smoking history—defined as 20 pack-years or more—are recommended to undergo annual low-dose computed tomography (CT) scans . This painless scan can detect lung abnormalities before symptoms appear, providing a greater chance for effective treatment. Even for those who have quit smoking within the last 15 years, the risk may still be elevated, making regular screening a prudent choice. 9. Mental Health Checkup Mental health is just as important as physical well-being, yet it often goes unaddressed in routine care. Depression, anxiety, and chronic stress can quietly impact every aspect of life, from sleep and energy to work and relationships. An annual mental health checkup allows men to discuss emotional challenges and life stressors openly with a trusted provider. These visits may involve short screening questionnaires and supportive conversation, to identify early signs of conditions that might otherwise go unnoticed. Taking time to assess mental health can be a key part of managing overall well-being and preventing burnout or more severe emotional struggles. 10. Immunization Updates Vaccines aren’t just for children. Adults need to keep immunizations current to maintain protection against serious diseases. Depending on age, medical history, and previous vaccination status, men should stay up to date with: Influenza (flu) – every year Tetanus, diphtheria, and pertussis (Tdap) – every 10 years Shingles (herpes zoster) – starting at age 50 Human papillomavirus (HPV) – for those not vaccinated earlier COVID-19 – including any applicable boosters A healthcare provider can confirm which vaccines are needed based on personal risk factors and public health guidelines. 11. Eye & Vision Screening Maintaining eye health goes beyond just reading glasses. Eye exams can detect early signs of conditions like glaucoma, macular degeneration, and diabetic retinopathy—many of which present no symptoms in the early stages. Men under 40 should have a comprehensive eye exam every 2 to 4 years . After age 40 , the frequency should increase to once every 1 to 2 years , or more often if there are known vision problems or risk factors such as diabetes. 12. Dental Checkups Oral health plays a bigger role in overall wellness than many realize. Gum disease or periodontitis has been linked to heart conditions, diabetes, and even respiratory issues. Routine dental care helps prevent these complications and keeps teeth and gums healthy. It’s generally recommended that men schedule dental checkups twice a year . These visits typically include professional cleanings, examinations for cavities, and screenings for oral cancer. Staying current with dental appointments can help avoid more complex and costly issues down the line. 13. Skin Cancer Screening Skin cancer is one of the most common cancers in men, particularly those with lighter skin tones or high sun exposure . Fortunately, it’s also among the most treatable—especially when detected early. A yearly full-body skin exam by a dermatologist is advised. During the exam, providers check for any suspicious moles, lesions, or skin changes that could indicate melanoma or other types of skin cancer. Men should also perform regular self-checks and report anything unusual between appointments. 14. Hormonal Health & Testosterone Testing As men age, hormone levels—especially testosterone—can begin to decline. This may affect mood, energy, sex drive, and muscle mass. Common signs of low testosterone in men include low libido, persistent fatigue, irritability or depression, and decreased muscle strength. Testosterone testing is generally recommended for men over 40 experiencing these symptoms or for those undergoing a routine health assessment where hormonal balance may be relevant. Simple blood tests can evaluate testosterone levels, and results help guide further treatment or lifestyle recommendations if needed. Testosterone therapy is available to supplement the natural decline of testosterone levels as men age. 15. Bone Density Test (DEXA Scan) Osteoporosis isn’t just a women’s health issue—men can also experience bone density loss, especially after age 50 . Factors like low testosterone, smoking, or long-term use of certain medications can increase risk. A DEXA scan (dual-energy X-ray absorptiometry) measures bone strength and helps detect early signs of osteoporosis. While it’s not always part of standard screenings, it should be considered for men with risk factors or those over 50 who show signs of bone weakness, such as frequent fractures or unexplained back pain. Regular bone assessments help prevent fractures and maintain long-term mobility and quality of life. Take Charge Of Your Health Today Taking control of your health starts with being informed and proactive. These 15 checkups are the foundational steps toward preventing illness and maintaining long-term well-being. Whether you're scheduling your first annual physical or updating essential screenings, each choice supports a healthier future. For personalized, affordable, and convenient care, consider becoming a member at Impact Family Wellness , where comprehensive medical services are tailored to your needs. Don’t wait— schedule a checkup today ! FAQs About Men’s Health Checkups What Are The Most Important Health Screenings For Men In Their 20s And 30s? While younger men may feel healthy, it's important to monitor blood pressure, cholesterol, mental health, and start discussions about family history to assess risks early. Are Virtual Health Checkups Effective For Routine Monitoring? Yes, a study notes that telehealth can be as useful for reviewing symptoms, mental health consultations, and managing chronic conditions as physical exams do , though some screenings still require in-person visits. How Can Men Prepare For Their Annual Checkup? Bring a list of symptoms, medications, family history updates, and lifestyle changes. Wear comfortable clothing and prepare to discuss mental, sexual, and physical health openly.

Key Takeaways: Texas has reported an increase in measles cases in 2025 , with confirmed outbreaks in multiple counties. Koplik spots and flu-like symptoms often appear before the measles rash and can aid in early detection. Two doses of the MMR vaccine provide strong protection , with about 97% effectiveness. Vitamin A may be used during treatment to reduce complications in children with measles. Unvaccinated individuals exposed to measles may be required to quarantine for up to 21 days.

A viral Instagram video recently sparked concern after Dr. Sermed Mezher demonstrated how a simple scoop of dry chia seeds—once swallowed and chased with water—swelled in the esophagus and caused a dangerous blockage . It’s not the first time a wellness trend has outpaced the science behind it. Chia seed water, praised on TikTok for its so-called “internal shower” effects, has quickly gone from smoothie staple to internet sensation. But behind the aesthetic glass jars and lemon slices lies a very real question: is this actually good for your digestive health, or are we ignoring the risks? Monica McKitterick, FNP-C, founder and CEO of Impact Family Wellness , shares her take on the trending “internal shower” craze, the biology, and what patients need to know before jumping on the chia water bandwagon. 

Boston Celtics superstar Jayson Tatum recently underwent surgery for a ruptured right Achilles tendon , a serious injury that’s sidelined many elite athletes. As a graduate of Duke University, this hits a little too close to home. But here’s the thing: you don’t need to be a pro baller to end up in the same boot. Weekend warriors, casual joggers, and even the "I-was-just-chasing-my-kid" crowd are all at real risk for Achilles injuries when they overdo it, skip warmups, or ignore early warning signs. What’s a Ruptured Achilles, and How Does It Happen? The Achilles tendon connects your calf muscles to your heel. It’s what helps you walk, run, jump, and generally move like a human. A rupture means that tendon tears, often during explosive movement or, more annoyingly, a simple misstep. Common causes: Sudden jumping or pivoting Going from couch to CrossFit without prep Wearing unsupportive shoes (yes, those 10-year-old running shoes count)

A well-woman exam includes a health history review, physical exam, breast and pelvic checks, and screenings like Pap smears and STIs. Start in adolescence or when sexually active. Prepare by noting symptoms, listing medications, and avoiding intercourse before the exam. Some providers also screen for IPV.