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7 Ways to Help Pay Less for Out-of-Pocket Costs
You can lower your out-of-pocket health care costs with these 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 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.
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 tests, diabetes and colon cancer screenings, and mammograms and Pap tests.
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
- 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
5. Talk to a nurse for free
You can talk to a nurse 24/7 at no additional cost to you by calling
They’ll ask a few questions about your symptoms, then help you decide whether to go to urgent care, see your doctor, go to the emergency room, or care for yourself at home. They're here with support and guidance for any non-emergency situation.
6. Virtual care (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 virtual care (telehealth) visits. With virtual care, you can connect with board-certified medical providers and licensed therapists online using a phone, tablet, or computer 24/7. A virtual care 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. To make sure there are no surprises, Cigna HealthcareSM customers can view cost and quality information on myCigna® or the myCigna® mobile app.
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.
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The Cigna Group Information
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group.
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.