Get the Most Value From Your Health Care Plan

Each plan has a different network of doctors, hospitals and specialists covered to provide care. When you stay within your plan's network, you may avoid out-of-pocket health care costs. Staying in-network is especially important if you have an HMO plan.

To check a plan's network, search providers with our Provider Finder^® tool.

Check if your plan has in-network pharmacies or offers mail order pharmacy services to help you cut costs. Your prescription may have a generic drug alternative. Generic drugs are the same as their brand-name counterparts but cost less. Talk with your doctor to learn about generic drug alternatives.

Do your best to eat right, exercise and check in with your doctor regularly. Encourage all family members to live a healthy lifestyle, too.

Taking part in preventive care practices, like getting an annual checkup or starting a healthy eating program, can help you avoid bigger health problems down the road. Plus, many preventive care services are $0 with your plan.