Tips for Being a Good Healthcare Consumer

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Want to save money? Of course you do.

Follow these tips and get the most out of your health care benefits:

  1. Save money in a Health Savings Account (HSA), if eligible. You could end up saving anywhere from 15% to 40% on your qualified health care expenses, depending on your tax bracket and the state in which you live.
  2. Earn Wellness Incentives. The money you earn can help pay for your qualified health care expenses.
  3. Use in-network doctors and hospitals. You'll receive discounted rates on health care expenses — even before you meet your deductible.
  4. Explore lower-cost medications. They could be just as effective – but less draining on your wallet.
  5. Quit tobacco use. Not only will you be healthier, you'll also be eligible to save $600 on your annual medical plan premiums.
  6. Learn how to talk to your doctor. Savvy health care shoppers are always ready to ask about how much a recommended procedure or test costs – and if there are any lower-cost alternatives.
  7. Call your 24/7 Nurse Information Line when you need an immediate answer to a health question. It costs you nothing additional and it could save you a trip to the emergency room or doctor.
  8. Take advantage of preventive care. When you receive preventive services through an in-network provider, they cost you nothing additional, and they may help you avoid developing certain, health complications or illnesses in the future.
  9. Consider using an urgent care facility instead of the Emergency Room (ER). If you need emergency care for a non-life-threatening condition, an urgent care facility may be a cheaper, faster option than an ER.
  10. Set up a provider payment plan. If you’re faced with a large, unexpected bill, a provider payment plan could help.
  11. Use provider transparency tools. Services like x-rays, cat scans, and MRIs can cost different amounts from different providers. There are tools to help you compare costs and pinpoint your best option.
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