Did you know there are many ways you can save money and manage your long-term health? Here are a few tips you can use to save on health care expenses:
Get care at the right place
When you’re sick and need care, it’s important to know where to go. Emergency room visits are five times more expensive than a visit to your primary care provider (PCP). For life-threatening situations, emergency care is essential. However, there are a variety of options to get quality care at a more affordable cost:
Start with primary care: Your primary care provider (PCP) should be your first call when you aren’t feeling well.
Blue Cross Blue Shield of Michigan (BCBSM) and Blue Care Network members can find a doctor near them by using the Find a Doctor tool, available on both bcbsm.com and the BCBSM mobile app.
Use the 24-Hour Nurse Line: If your PCP isn’t available or it’s after hours, Blue Cross’ 24-Hour Nurse Line allows you to talk to a registered nurse day or night.
Use virtual care: Virtual care is available 24/7 through Virtual Care by Teladoc Health®℠. Virtual care is a convenient option if you need urgent care, are unable to get to your PCP or need mental health support.
Urgent care clinics: For minor illnesses and injuries, especially when your PCP isn’t available, an urgent care or walk-in clinic can help you get the care you need
Stay in-network
When you choose a PCP or are looking for a specialist, stay in-network. In-network means the health care provider has partnered with the health insurance company and negotiated rates for care.
Use the BCBSM app
In the BCBSM mobile app, you can use tools to check your coverage, view explanation of benefits and get estimates for care and prescription drugs in addition to finding care.
Generic drugs
When it comes to medication, taking generic drugs is one key way to save money. Generic drugs are typically 80% to 85% less than brand-name medications, according to the U.S. Food and Drug Administration. Talk to your PCP about generic medications.
Preventive care
Keep up to date with preventive care and recommended screenings to reduce your risk of chronic conditions or catch them early. Early treatment of conditions such as diabetes, cancer and heart disease will help you stay healthy and save money on medical care.
Live a healthy lifestyle
Managing your physical and mental health reduces risks of chronic conditions that can increase health care expenses.