Due to the lack of awareness of medical insurance cost management and effective communication with doctors, some patients with chronic diseases often run out of medical insurance costs before the end of the year and have to pay for their own medical treatment. How to deal with this problem? The following suggestions are made with regard to the situation we know: 1. The average distribution of the medical insurance costs of a year’s outpatient clinic to the monthly amount should be well known. 2, usually encounter a cold and fever, dizziness and discomfort try to avoid outpatient infusion treatment (higher costs), routine infusion to prevent cardiovascular disease is even less desirable, there is no point. If you do need infusion treatment due to serious illness, it is recommended to be hospitalized, which is safe and does not account for outpatient expenses. 3, some adjuvant drugs such as proprietary Chinese medicine, need to be weighed, really necessary, discretion to choose one or two small trial, be sure not to choose a variety of similar adjuvant drugs, otherwise often difficult to adhere to take, resulting in waste, but also costly. This item needs to be fully communicated with the doctor before it is possible to achieve. 4, related tests should also be done in mind, such as glycated hemoglobin is generally done once every three months, such as regular monitoring of blood sugar and good control, half a year can also be. Biochemical examination before the basic normal, half a year review is also reasonable, as for other expensive tests need to communicate with the doctor, first simple and then complex, in order to avoid unnecessary waste. In short, in order to effectively and economically control chronic diseases, we must strengthen our learning, only l understand the disease, in order to effectively communicate with doctors, and choose reasonable and effective examination and treatment hair difficulty.