Savvy shoppers know how to get the best deals when buying a new phone, booking a flight or using coupons at the store. Health care is another big expense you might target for trimming costs, but it’s more complicated. There are multiple layers to peel back to understand the costs and find ways to save money. Here are some ways you can get started.
Make the most of your health insurance.
Find out what’s covered before you need to use it. Also be sure to find
doctors in your plan’s network, and ask for medications covered on your plan’s
list of approved drugs. If you’re unsure about coverage, call your insurance carrier for
Ask questions in the doctor’s office.
Learn more before moving forward with tests or treatments. It’s okay to
ask your provider if a test is necessary. Don’t hesitate to let your doctor know if
you’ve had the same test already with another provider. Be sure to ask your
provider if there’s a generic version of the medication
you’ve been prescribed.
Compare the cost of care.
Ask how much a specific service, test or treatment will cost. This is particularly
important if you have a high-deductible plan where you pay a significant
amount for your health care out-of-pocket.
Take advantage of preventive care.
See your healthcare provider for regular health screenings and vaccines.
Doing so can help keep illness at bay or catch a problem
at its earliest, most treatable and least expensive stage.
Shop around for prescription drugs.
The prices for certain drugs may be higher or lower at different
pharmacies. If you have a health plan, you will usually have lower
out-of-pocket costs if you use a pharmacy in your plan’s
network. Also, using generic medications instead of
brand‑name drugs (when available) can help you
Get your care at the right place.
You can save time and money by choosing the right level of care for your
situation. For serious medical issues that are not a true emergency (not life-threatening), consider using an urgent care facility. For minor issues,
see if your primary care provider is available or consider using a convenience
care clinic. If you have a health plan, you may also have access to telehealth services which can be an affordable alternative when your doctor isn’t available.
Use 24-hour health information services.
Take advantage of this service if it’s available to you. With one easy phone call, you can talk to an experienced nurse who can help you decide whether your condition warrants a trip to the doctor’s office or emergency room.
This is intended to be general health information and not medical advice or services. You should consult your doctor for medical advice or services, including seeking advice before undertaking a new diet or exercise program.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, Cigna Behavioral Health, Inc., Cigna Health Management, Inc., and HMO or service company subsidiaries of Cigna Health Corporation. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.
904733 04/18 © 2018 Cigna. Some content provided under license.