The health care system is complex and health care costs are on the rise. It can feel as though health care costs are out of our control – and that’s because, a lot of the time, they are. But that doesn’t mean that we can’t play an active role in reducing our health care costs. Here are five ways to save on your next health care expense.

Eligible health savings account (HSA) holders are able to contribute pre-tax earnings to their accounts. If the HSA is set up by an individual rather than through an employer, the individual will be able to claim tax deductions for HSA contributions.

The pre-tax dollars that go into the account are designed to be used toward health care purchases. Essentially, the account holder can make tax-free health care purchases.

Insurance companies contract with physicians, hospitals, and other providers to purchase medical services at discounted rates for their customers. Insurers design specific health plans with different providers and different pricing levels. The providers under contract for that plan are considered in-network.

There are many doctors and hospitals out there. And as part of our efforts to keep costs down, Blue Cross and Blue Shield of North Carolina (Blue Cross NC) works closely with many North Carolina hospitals and physicians to help get you access to quality, affordable care, when you need it.

You can make sure the doctor you’ve selected is in your network by using the Find Care tool. Let this tool guide you if you are in need of a specialist. Or, just call a doctor’s office to ask if they are in-network.

Each year, we know you face choices when it comes to deciding what kind of health insurance best suits your needs and your budget. High-deductible plans are attractive because they generally have lower premiums, which is what you pay each month for coverage.

There is a tradeoff in exchange for lower premiums. For starters, your insurance doesn’t kick in until you’ve met your annual deductible, which could be several thousand dollars. And when you do meet your deductible, you may still have a co-pay or co-insurance or both. In addition, high-deductible plans are frequently linked with an HSA or flexible spending account (FSA) to help cover out-of-pocket costs. These can offer tax-deferred savings on health care expenses, as mentioned above.

If you are currently on medication or need some in the future, it is important to understand your prescription benefits, which are explained in your Benefit Booklet.

In addition, there are ways you can begin saving on prescription drug costs today. To begin, talk to your doctor about less expensive alternatives. This may also include exploring generic versions of brand-name drugs. These are approved by the US Food and Drug Administration as equivalent. This means that generic versions provide the same health benefits as their brand-name counterparts, usually at a lower out-of-pocket cost to you.

Lastly, you can use our Find Care tool to find a drug or pharmacist.

These tools may help you to save on everything from gym memberships to doctor appointments:

• Blue365® deals – Exclusive discounts on the latest fitness gear and health programs.
• Nurse Support Program – A 24/7 nurse line to ask questions or get assistance.
• Wellness Activities and Nutritional Counseling – Healthy conversations, seminars, and virtual coaching.
• Telehealth – Using a phone, the internet, or mobile app, doctors are available to treat a variety of medical conditions like allergies, fever, flu, insect bites, sore throats, and urinary infections.
• SmartShopper® – SmartShopper is a tool that makes it simpler than ever to find lower-cost medical procedures. It lets members price shop for over 80 common procedures like colonoscopies and knee replacements. The best part? They can get paid up to $500 per procedure for making cost-effective choices for the care they already need. Members can log in to Blue Connect℠ to see if they're eligible for the program.
• Cost Comparison tool – Compare the cost of various health care services at facilities near you.