1. Take advantage of cheaper options
How much your medical visits cost depends on what type of doctor you see. Most health plans cover nurse lines, telemedicine, doctor’s office visits, urgent care clinics, and emergency rooms. However, telemedicine and nurse lines are often cheaper or free, and are good options for minor visits like prescription refills and allergies. You’ll save money if you go to urgent cares and emergency rooms only for emergencies. For more info, read Know Your Coverage: Telemedicine.
2. Use in-network providers
Most health plans offer health care services through a network of doctors, hospitals, and other health care providers. You will pay less if you use your network’s in-network providers. Before you go to a provider, make sure they are in-network.
3. Ask about generic prescriptions
If your name-brand prescription is expensive, ask your doctor if there is a generic version you can try. If you don’t have a generic option or need to choose the name-brand drug, you may have coupons or discounts that can save money. Talk to your pharmacist about coupons.
4. Plan ahead for emergency care
Emergency care can get costly depending on what type of facility you go to. You can save yourself money by choosing the right place. For more info, read Health Insurance Works Differently in Emergencies!
5. Ask questions when you get a medical bill
If you get a medical bill for more than you were prepared for, ask for an itemized list of the charges. Make sure your provider is charging you correctly for the services you actually got. Remember to look for errors or duplicate charges. Call your health plan if you have questions. For more info, read What You Need to Know About Medical Codes.
Consumers are protected from getting surprise bills. Visit the Texas Department of Insurance (TDI)’s website to learn more about those protections.