Washington, D.C. ? To monitor the multiple sclerosis attacking Ann Pietrangelo’s central nervous system, her doctor recommends an annual MRI. Last year, the 49-year-old Winchester, Va., woman had to make a $3,000 co-payment to get the imaging done.

This year, she’s skipping the test. Even with insurance, it’s more than her budget can tolerate, especially with the roller coaster on Wall Street devouring her retirement savings.

“I’m doing everything I can to avoid going to the doctor,” she said.

From Park Avenue dental offices to free clinics, the global economic crunch is forcing a growing number of Americans to scale back on medical care. Consumers are attempting their own form of triage, pushing off seemingly less-urgent services in the hope that their financial health will improve. But the danger, say physicians, is that the short-term savings may translate into more severe long-term health implications.

At the extreme are cases such as the Texas woman who went to the hospital complaining of back pain. Physician Doug Curran immediately spotted cancer on the X-ray.

“She’d had a lump in her breast for a while, but things were tight and she said she couldn’t get it looked at,” he recalled. “We’re going to see more of that.”

Nationwide, the number of consumers who went without a prescription, tapped into retirement savings to pay for health care or skipped a doctor visit for themselves or a child rose between 2007 and 2008, according to a survey released this summer by the Rockefeller Foundation and Time magazine. One-quarter of the 2,000 respondents, for example, said they had decided not to see a doctor because of cost in 2008, up from 18 percent the year before. Ten percent said they did not take a child to the doctor for the same reason.

“When the economy is in the situation we have today, people make tough choices,” said Kansas Insurance Commissioner Sandy Praeger, who is head of the National Association of Insurance Commissioners. “Things are just not going to get done.”

After nearly a decade of steady – often double-digit – increases in drug spending, the research company IMS Health this summer recorded the first actual decline. And a survey by the Center for Studying Health System Change found that nearly 20 percent of Americans report having difficulty paying medical bills.

Layoffs, shrinking bank accounts, rising medical prices and widespread anxiety that the economy is likely to worsen are prompting people to split pills, forgo screening tests such as colonoscopies, delay elective procedures such as laser eye surgery and turn to home remedies as cheaper alternatives. Hospitals report that unpaid debt is on the rise, pharmacists see a spike in cheaper generics, and demand for low-cost care is climbing.

For Sandra Harrington, a waitress from Oxon Hill, Md., the trade-off comes in treatment for an infected eye. Her doctor prescribed administering steroid drops twice a day. But as her tips have shrunk, she has decided that applying the $100 medication once a day is all she can afford.

“It’s a vicious cycle,” she said, explaining that because it is too painful for her eye to be exposed to direct sunlight, she works only night shifts. “People cut back. Then people like me suffer.”

In the past month, traffic on the 5-year-old advice site JustAnswer.com rose 14 percent. The site, which allows customers to pose a health question and “bid” between $9 and $30 for a doctor’s or a nurse’s response, had nearly 400,000 page views in 30 days, said chief executive and founder Andy Kurtzig. In a telling sign, inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.

In past recessions, health care spending briefly spiked – as people raced to doctors before their insurance ran out – and then fell sharply, according to industry analysts.

“Many times in health care there’s a lag of three to six months before it hits really hard,” said Donald Fisher, president of the American Medical Group Association, which represents large, multi-specialty providers. “If they have a problem, they get it fixed while they still have health insurance. Then we see a decline in elective procedures, and then we really see a drop-off.”