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:
- 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.
- Use in-network doctors and hospitals. You'll receive discounted rates on health care expenses — even before you meet your deductible.
- Explore lower-cost medications. They could be just as effective – but less draining on your wallet.
- Quit tobacco use. Not only will you be healthier, you'll also be eligible to save $600 on your annual medical plan premiums.
- 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.
- 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.
- 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.
- 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.
- Set up a provider payment plan. If you’re faced with a large, unexpected bill, a provider payment plan could help.
- 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.