They’ve agreed to charge negotiated rates and bill your insurance company directly, saving you money and time. If you’re enrolled in the Blue Shield $aver/HSA plan or Blue Shield Super $aver/HSA plan, check out the network provider infographic. Note: If you enroll in an HMO plan (if available in your area), the plan only pays benefits for care received in network.

It’s covered in full by all of our medical plans and can help detect and prevent potentially costly health issues early. You pay nothing for annual physicals, recommended immunizations, routine cancer screenings, and more when you see in-network providers.

Contributing to a Health Savings Account (HSA) and/or a Flexible Spending Account (FSA) is easy and saves you money. You can set aside pre-tax dollars from your paycheck to use for your out-of-pocket costs. Keep in mind that with an FSA, the money in your FSA does not carry over to the next plan year; you must “use it or lose it.”

Using generic alternatives will almost always save you money — and they’re just as effective as brand-name prescriptions. Also, try calling a few local pharmacies to compare prices before deciding where to fill a prescription. For your ongoing prescriptions, use the home-delivery service to save money and time.

It offers valuable resources to help you improve your health, which could prevent the need for costly care. Plus, you’ll earn rewards when you participate in well-being activities!

Facilities charge different amounts for the same services, so think about your options when you or a family member needs medical attention.