My husband’s company does not offer the option of a medical savings account. I opened a savings account just for medical bills. I put a set amount in it every month. I no longer worry when I need to go to the dentist because I know there is money in that savings account.
Since the only money in there is for medical expenses it does not get spent accidentally. I was glad of that when I received my bill for a recent trip to the ER. They offered a 15% discount if it was paid in full within 20 days. Thanks to my medical savings account. I was able to pay it right away.