<span>1. Make sure the provider you see is in-network/contracted with your insurance company. Contracts hold provider responsible for billing insurance before they bill you, and for not balance-billing. 2. Read everything you can about balance billing, what it is, and what it isn't. 3. Ask the provider to do an insurance estimate before getting treatment. 4. Get itemized receipts from providers when you pay. 5. Minimize repeat appointments (maximize time with provider) if possible; fewer appointments equals lower costs.</span>
This varies from person to person. There is a point in time at which hormones in a persons body begin to loose their effective functions, a period I have heard reffered to as adult puberty. In women this is marked by menopause. While you can still theoretically maintain a healthy body at this time, it becomes increasingly difficult. Maintaining a healthy diet and constant exercise are essential to achieving this. A doctor won't tell you much more than this.