To get the most value for your health care dollar, follow these money-saving tips.
For specific information about your health plan, log in to your member account or visit a retail center.
1. Use doctors and pharmacies in your networks
It's important to understand your plan networks because they affect how much you pay for care and prescription drugs.
Provider network: You’ll pay less when you use doctors, clinics, hospitals and health care professionals in your provider network. Always check your network before you seek care.*
Pharmacy network: You can get prescription drugs at a lower cost when you use a pharmacy in your plan network. Always check your pharmacy network before you fill a prescription.
You will pay more, or even the full cost, for health care services and prescription drugs you get outside your plan networks.
2. Use your preventive care benefits
Many health plans pay the full cost for important preventive care. These regular exams, screenings and immunizations can save you a lot of money because they can prevent or catch problems early, when they are easier to treat.
3. Shop for high-value care
Care that costs more may not mean it’s better. And the cheapest care may not always be the best choice. It’s smart to use resources that help you shop and compare cost and quality before you get care.
4. Choose the right care at the right time
Urgent care, an online doctor visit, or a call to a nurse line could save you a trip to the emergency room. Getting the right kind of care at the right time can also save you time and money.
5. Ask for generic drugs
Generic drugs are approved by the FDA and cost less than brand-name versions. They contain the same active ingredients as brand name drugs and often work just as well.
6. Make the most of wellness programs
Many health plans offer programs and discounts to help you quit smoking, keep fit and assess your health. These programs can save you money and help improve your health.
7. Take care of yourself
Taking steps toward a healthier lifestyle can help you feel better and lower your health care costs. Here are some ways to take charge of your health:
- Eat a healthy diet
- Get enough sleep
- Increase activity and move more
- Quit smoking and avoid secondhand smoke
- Keep your weight under control
More about health care costs
How you and insurance pay for your health care
Who should you talk to about health insurance?
What is an out-of-pocket maximum?
What is a deductible?
What is coinsurance?
What is a health insurance premium?
What is a copay?
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