PURCHASE, N.Y. - MasterCard is offering a free pamphlet to help consumers manage their health care costs.

"For a Clean Bill of Health Guide" offers instructions for starting a family "fitness file," suggesting ways to save by lowering deductibles and capitalizing on flexible spending accounts. Also included are expense tracking and budget forms, as well as a checklist of questions to ask when selecting a new doctor.

MasterCard cardholders are eligible to receive a more extensive kit that includes coupon savings from companies such as NordicTrack and Jenny Craig.

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