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Search for Spending Leaks in your favorite search engine to learn of other common leaks and how to stop them. Here are some spending leaks specifically affecting those with MS and suggestions for fixing them 5 Electricity During the warm months air conditioning is critical to those with heat sensitivity but this can drive up your bill. This is particularly true for those in older homes where small cracks or missing seals may cause energy loss of up to 20 percent. Call your local power company and inquire about programs offered. Many companies allow you to balance your payments during the course of the year. Some offer discounts on your bill or disconnection protection if you are disabled so your power cannot be cut off for late payment. Most power companies offer a free energy survey to determine how efficient your home is and what can be done to improve it. Some also offer partial or full reimbursement for making your home more energy efficient. Finally see if you qualify for the federal Weatherization Assistance or Low-Income Home Energy Assistance Programs. Health insurance Not long ago whether using private insurance or Medicaid Medicare we may have had little choice in our health insurance provider.Today our options have changed as should our mindset about choosing health insurance. Become a comparison shopper for health insurance. If you are covered under a group plan such as through your employer or your spouses employer see if you qualify for a better rate through your state or federal exchange. Or see if the employer offers gap coverage to assist with deductibles and co-insurance. If you are covered through MedicaidMedicare and using a managed care or supplemental plan evaluate your plan choices during each enrollment period. For all types of insurance make certain you know what your plan covers. Many today offer discounts on gym membership vitamins and supplements alternative medicine and other items for which you might be paying full price. Medications Your disease-modifying treatment DMT is likely one of your more significant monthly expenses. But it is not the only medication on which you can save. Each DMT has a patient support service through which you can apply for assistance with the cost of your medicine. However many other brand-name medications also offer this service. Ask your doctor if a generic medication would be suitable and is it covered by your insurance plans formulary wherever possible but when a brand name is required regardless of the type of medicine check the pharmaceutical companys patient support website to see if you qualify for assistance.