Consider medical tourism - It sounds exotic, but it is no longer just for jetsetters. In 2007, 1.5 million people traveled to Thailand alone for medical care. Even some U.S. insurers are coming on board to allow Americans to travel overseas to receive more cost-effective medical care such as knee replacement or other costly procedures.3 How to save: Many insurance companies do not cover overseas procedures, so ask first. For those who must pay out of pocket, traveling might be worthwhile. Be sure to go to a medical facility accredited by the Joint Commission International. Medical tourism companies can help locate a reliable provider, but be sure to proceed very cautiously.

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