7 Ways to Help Lower Out-of-Pocket Health Care Costs

7 Ways to Help Pay Less for Out-of-Pocket Costs

Lower your out-of-pocket health care costs with 7 helpful quick tips

  1. Stay in-network

    You can save on your out-of-pocket costs when you use a doctor, hospital or facility that’s part of your Cigna plan’s network. Chances are there’s an in-network doctor or facility nearby. If a doctor or facility is not contracted with your health plan, they are considered “out-of-network” and your out-of-pocket costs will be higher.

    Learn more about the difference between in-network and out-of-network

  2. Get preventive care

    Your annual check-up, immunizations and screenings can help detect or prevent serious diseases and help you stay healthy. Your primary care provider can help you coordinate tests and shots that are right for you based on your age, sex and family history. These screenings might include your annual exam, blood pressure and cholesterol test, diabetes and colon cancer screenings, and mammograms and Pap tests.

    Learn more about preventive care

  3. Consider a convenience care clinic

    Need to see your doctor but can’t get an appointment? Talk to your doctor about using a convenience care clinic. You can get quick access to quality, cost-effective medical care. You can find convenience care clinics in some grocery stores, pharmacies and other retail stores. A convenience care clinician can treat you for:

    • Sinus infections
    • Rashes
    • Earaches
    • Minor burns
    • Other routine medical conditions
  4. Consider using an urgent care center

    If your medical need isn’t serious or life threatening and you can’t get an appointment with your doctor, consider an urgent care center instead of the emergency room (ER). An urgent care center provides quality care like an ER, but it can save you hundreds of dollars. These centers are staffed by doctors and other medical professionals. Visit an urgent care center for things like:

    • Minor cuts
    • Burns and sprains
    • Fever and flu symptoms
    • Joint or lower back pain
    • Urinary tract infections

    Average urgent care center cost: $176*

    Average hospital ER cost: $2,259*

    Learn more about when you should use urgent care

  5. Call the Health Information Line

    With the Health Information Line, you can talk to a trained clinician anytime, day or night if you need help:

    • Deciding whether to see a doctor, go to urgent care, or use another option.
    • Selecting an in-network provider, facility or hospital.
  6. Telehealth doctor visits can be a cost-effective option

    What to do when you need minor medical care while you’re away from home or your health care provider isn’t available? Check to see if your plan covers telehealth visits. With telehealth, you can talk to a board-certified doctor by phone or online video chat – anytime, day or night. A telehealth visit can be a quick, convenient, and cost-effective option when your health care provider isn’t available.

  7. Know costs before you go

    In-network radiology centers, outpatient surgery centers, and laboratories can give you quality service like a hospital – but at a much lower cost. Using an in-network national lab can also help you save money on your out-of-pocket expenses, plus they offer convenient locations across the United States.

    It’s also important to understand how much a visit might cost before you go. So there are no surprises, customers can view cost and quality information online through the myCigna® website or the myCigna® mobile app.

    Find a doctor in your Cigna plan's network

*Cost estimates are national 2016 averages of participating facilities; actual cost may vary by location, facility, and the type or level of services received. Cost estimates are based on Cigna 2016 claim data.

This information is for educational purposes only and is not medical advice or services. Always consult with your health care provider and consider all relevant factors when making decisions related to your health care.