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How to make the most of your health care dollars

Stay in network. Make sure your doctor(s), laboratory and hospital are part of your health plan’s provider network so you save on copays and coinsurance amounts.

Have a referral Before you see a specialist, check to see if you need a referral and, if you need a referral and, if so, find out how to request one. Without a referral, you may have to pay for services at the full out-of-pocket cost.

Use alternatives to emergency services A visit to the hospital emergency department is generally unnecessary for issues such as the flu, minor cuts and sprains, or urinary tract infections. Overall costs are usually lower at medical aid...

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