6 Tips That Can Save You Money

1. Use network providers.
   
   When you use providers who are not in your network, you pay more out-of-pocket. Visit the Doctors and Hospitals section to search for HealthSelect network providers if you are an employee, a retiree under age 65, or a return-to-work retiree with in-area benefits. If you are a retiree age 65 or over, look for Medicare and ParPlan providers.

2. Get referrals to specialists.
   
   If you are an employee or retiree with in-area benefits and don't have a referral from your primary care physician (PCP), you will have non-network benefits when you see a specialist, and you will pay more out-of-pocket.

3. Call the 24/7 Nurseline.
   
   Going to the emergency room (ER) isn't always the best choice — for your care or your wallet. The 24/7 Nurseline can help you figure out if you should call your doctor, go to the ER, urgent care clinic or retail health clinic, or even treat the problem yourself. Call (888) 334-9473 to talk to a registered nurse any time, day or night.

4. Take care of yourself.
   
   Go to a network provider for preventive care that meets health screening guidelines and you won't pay any out-of-pocket costs for preventive services named in the Affordable Care Act, depending on your provider's billing practices.

5. Restart your New Year's resolution.
   
   It's never too late to recommit to quit using tobacco, lose weight, or take better care of a chronic condition such as diabetes or asthma. With HealthSelect, you can get help from a telephone coach or manage a condition yourself with online tools.

6. Earn Blue Points^SM for healthy activities.
   
   Redeem them for fitness gear, small kitchen appliances, and other healthy items. Your kids can earn Blue Points, too.