How can I lower my health care costs?
Who is this for?
If you're wondering how you can save money on health care, we have some tips for you.
It may seem like you can only save on health care costs if you never get sick or injured and never go to the doctor. But everyone gets sick or has an accident at some time. And if you have a health problem that goes undiagnosed, avoiding the doctor can cost you more, not less.
So what can you do? You can be a smart shopper. That means choosing the right plan with a monthly payment you can afford. To learn more, see:
- How can I lower my monthly health insurance cost?
- How can I know I'm purchasing the right health insurance policy?
Another strategy is to be smart about how you use your health insurance—instead of not using it. Here's how to get the most out of your plan and save money, too.
Choose an in-network doctor
Going to a doctor or hospital outside of your plan's network always costs more. Your health insurance company negotiates fees with hospitals and health care professionals to save money and offer the best quality care. When you stay in network, you'll pay less for your coinsurance and any extra costs, like lab work or prescription copays.
Prevention really is the best medicine
All our 2014 health plans for individuals and families cover 10 essential health benefits required by the Affordable Care Act. One of these benefits is preventive care covered at 100 percent with no deductible, copay or coinsurance. This care includes services like:
- Annual health exam for adults
- Well baby and child exam
- Screening colonoscopy
- Gynecologic exam
- Pap smear
Take advantage of this benefit. It costs you nothing to make sure you and your family are healthy. And if you're not, identifying problems early can keep them from becoming more serious and more expensive. That's really what preventive care is all about.
It’s pretty simple. If you’re healthy, you won’t pay as much for your health care. Using your preventive care benefit is a great way to start. But don't stop there. In addition to the basics like exercising, eating well and quitting smoking, you can use these member resources:
- Your health assessment
- BlueHealthConnection℠, your online health resource and coach
- Discounts on healthy products and services through Healthy Blue Xtras℠
Learn more in our Healthy Living section.
A prescription for savings
Don't overlook opportunities to save on pharmacy expenses. Choosing generic drugs over brand-name medications and ordering a 90-day supply are two ways to save. To learn more, see How to save money on prescription drugs.
- What is an HSA?
- How do deductibles, coinsurance and copays work?
- How to understand deductibles and their impact on premiums
- What’s the difference between HMO and PPO plans?
- What’s the difference between in-network and out-of-network benefits?
- Health Insurance 101: How to lower your health care costs