8 smart moves to save on health care

How to cut medical costs without cutting corners

If you don’t have health insurance coverage or you're stuck with a high-deductible policy, you already know the cost of medical checkups, dental exams, glasses, braces and other health care expenses can add up.

Global health actuarial consulting firm Milliman found that out-of-pocket expenses to cover copays, prescriptions and other costs not covered by insurance rose 9.2% from 2010 to 2011.

But don't resign yourself to skipping tests or leaving prescriptions unfilled until you've considered these eight clever ways to get the care you need at a price you can afford.

Follow the advice of the experts we've spoken with, and you can save hundreds, sometimes even thousands, of dollars without sacrificing your health.