Tips to Save Money on Health Care

Getting Great Care at a Lower Price Is Possible

Are you looking to improve your financial well-being? Is your financial peace of mind taking a hit from high health care costs? Getting great care at a lower price is possible. From shopping for your care to member discounts, there are several ways to save.

Shop for Care Just Like You Shop for Other Services

The best way to save is to shop for your health care services just like you would for other services you buy. The same procedure or treatment can cost drastically different amounts depending on which provider you see. It can be difficult to determine the cost of a treatment or procedure on your own, so check if your health plan offers a treatment cost estimator tool. This will allow you to search for and compare costs of many health care services.

You can share this information with your doctor for a good conversation about your care, what it costs—and where you can save money.

Cost-Saving Alternatives to the Emergency Room

When you have a life-threatening situation—a true emergency—go directly to the ER. But what about other less-serious health issues, like muscle sprains and strains, sore throat, sinus infections, and allergies? Using the ER for these kinds of things can involve long wait times—and quite a shock when you get the bill. Keep in mind that you can see a medical professional in other treatment settings that are more convenient and cost less:

  • Telehealth (if included with your plan): 24/7 access to U.S. board-certified doctors through the convenience of phone, video, or mobile app visits.
  • Urgent care centers: Staffed by qualified doctors, urgent care centers are an excellent choice when you have a non-life-threatening issue and can’t get to your regular doctor.
  • Retail clinics: Staffed by nurse practitioners and physician assistants, retail clinics are an ideal option when you need routine, non-urgent care.

Use Freestanding Facilities

Some care can be less expensive if you use facilities that are specifically designed to perform certain procedures or services. If you choose to have these services in a hospital, or a hospital-affiliated medical facility, you will likely pay more out-of-pocket than if you receive them in a non-hospital setting.

Some care can be less expensive if you use facilities designed for certain procedures or services.

Get Preventive Care

A small investment of your time now could help you stay healthy in the years ahead. Preventive care includes periodic checkups, tests, and screenings. And depending on your health plan, these services may be free. The preventive care you need depends on your age, gender, family history, and any risk factors you may have.

Save with Member Discounts

Many health plans offer a variety of discounts for their members. Check to see what your plan offers. Discounts may include:

  • Vision correction services and eyewear
  • Fitness club memberships and exercise equipment
  • Nutrition + weight management programs
  • Programs to help you quit smoking
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