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Be an Educated Health Care Consumer
With health care costs on the rise, it’s more important than ever to take responsibility for your medical care choices. Asking questions and researching your options are good ways to start taking control of how much you spend on health care.
Explore this page for strategies to take control of your health and be an educated health care consumer.
If you own a business and need help or have any questions about our services, reach out to learn more about how we assist companies like yours.
Reduce Health Care Costs
Many Americans will hunt for a coupon that saves them 50 cents at the local supermarket.
However, when it comes to health care—a far more complex and expensive service—we rarely ask questions or consider all the options that could save us time and money.
Check out this list of 20 Ways to Reduce your Health Care Costs:
Consider your Plan Options
Choose In-Network Providers
Making careful health care decisions is vital for keeping your health care costs down.
You can control your out-of-pocket costs by carefully reviewing your health insurance plan options and choosing the one that best fits your needs.
Choose In-Network Providers
Choose In-Network Providers
Seeing providers within your insurance plan’s network is typically much less expensive than seeking out-of-network care.
When you choose a plan, make sure you have access to doctors and hospitals you’ll want to visit when you need care.
Ask your Doctor
Having a conversation with your physician can help you better understand how their care and recommendations affect your health and your plan costs.
Review your Bills
Errors can occur in medical billing codes and in coverage, so taking a few minutes to read through the bill could save you money by catching potentially costly mistakes.
Seek Outpatient Care
Outpatient care is often a less expensive alternative to inpatient care, and it does not necessarily sacrifice the quality of care.
If you need to have surgery, ask your doctor if laboratory tests can be done in a clinic rather than in a hospital.
Healthgrades | Dr. Ratings
Healthgrades.com is the leading online resource for comprehensive information about physicians, hospitals and healthcare providers.
Find intel on the care you need:
Healthcare Bluebook
Healthcare Bluebook provides a free procedure search tool to help find fair prices for procedures based on your location.
Register and explore, if or when you need it:
Prescriptions
It’s no surprise that drug prices vary, so it can pay to shop around. Cutting costs on prescription drugs is easier than you may think.
Consider the following strategies to help lower your bills for pills: 10 Ways to Reduce Your Prescription Drug Costs:
Scriptco Pharmacy
ScriptCo is USA's only membership-based, wholesale pharmacy and aims to make prescription medications more affordable for everyone.
*NOTE: ScriptCo Pharmacy does not accept any form of insurance and only quotes Generic medications. ScriptCo does NOT dispense controlled substances or brand only meds.
Enter your GENERIC medications on scriptco.com to see the actual wholesale cost of your prescriptions.
NiceRx
NiceRx is committed to getting you the medications you need at an affordable price.
Fill out their online enrollment application to find out if you are eligible for assistance.
GoodRx
Drug prices vary by pharmacy.
Use GoodRx to compare current prices, find discounts and free coupons, which may help you pay less than the cash price for your prescriptions.
Prime - One Medical
Only $9 a month with an Amazon Prime membership.
Care for issues big and small — No hassle. No stress. Fast and convenient primary care. Most insurance accepted.
Additional Tools & Tips
Dental
Health Insurance Apps
Health Insurance Apps
Request that your provider submits their treatment plan and obtains a "Predetermination of Benefits" letter from your provider BEFORE having any procedures done.
This will allow you to know in advance what will be covered by your insurance provider and what your out-of-pocket costs will be, if any.
Health Insurance Apps
Health Insurance Apps
Health Insurance Apps
Check with your Health Insurance carrier for access to their mobile app. These apps provide easy access to your digital member ID and health records, video guides, appointment management, plan & benefit information, test results, and more.
Some apps even offer access to 24/7 nurse advice lines, educational materials, exclusive perks, and health and wellness discounts.
Wellness Tools & Apps
Health Insurance Apps
Wellness Tools & Apps
Fitness, Diet and Exercise, Mental Health, Sleep, Meditation....- a wide variety of online tools and apps can be used to help manage problems and provide resources and support.
Check out our previous "Rethinking Your Employee Benefits Package" blog for more information and direct links to apps such as Modern Health, Headspace, Calm and Lyra Health.
Cash Payment
Health Insurance Apps
Wellness Tools & Apps
Ask for a discount if you are a cash paying patient.
Some Doctors and Hospitals may charge less to patients that pay in cash for services rendered, rather than if using a credit or debit card. Cash payments help lower merchant processing fees for the business so they are able to offer a discount.
Travel Insurance
Many Americans love to travel internationally, but an unforeseen health issue can quickly turn a dream getaway into an expensive nightmare.
Most U.S. insurance providers, including Medicare, provide minimal to no medical coverage outside the country, which could potentially result in significant medical expenses if you require treatment.
To prevent big medical bills while traveling abroad, consider securing a "Travel Medical Insurance Policy" BEFORE your trip.
Telehealth
Before heading to the Doctor's office, check your insurance plan for Telehealth coverage.
*Most health plans include Telehealth appointments and these calls may even be free of charge pending your insurance.