More than half of this country's health care dollars are spent on hospitalizations. A stay in a hospital costs far more than a vacation to most luxury resorts. (And hospitals are a lot less fun.)

Don't check in to the hospital just for tests. Ask your doctor if the tests can be done on an outpatient basis. If you agree to control your diet and activities, your doctor will usually support your request.

If you need inpatient care, get in and out of the hospital as quickly as possible. This will reduce costs and your risk of hospital-acquired infections. For more information, see skills to use in the hospital. Try to avoid additional days in the hospital by bringing in extra help at home. Ask about home nursing services to help while you recover.

If you have a terminal illness, hospitalization may not be your only choice. Many people choose to spend their remaining time at home with the people they know and love. Special arrangements can be made through hospice care programs in most communities. Look up "Hospice" in the Yellow Pages directory, or ask your doctor.