Getting the most out of your benefits
Health care is expensive. Premiums, copays, coinsurance – it all adds up. But there are ways to reduce your out-of-pocket costs.
7 ways to maximize your benefits and get the most out of your health care coverage
1. Shop around.
2. Use Tier 1 specialists.
3. Save money with Virtual Visits.
4. Discuss medication options with your doctor.
LCRA’s prescription drug plan categorizes drugs into three pricing tiers, with additional tiers for specialty drugs. UHC provides a prescription drug list that shows the pricing tiers for the most commonly prescribed medications (2021 list coming soon). Consider bringing the list with you to the doctor’s office so you can have a more informed discussion about a medication and possible alternatives before leaving with the prescription. You can also look up the medication within the UnitedHealthcare app. app so you know exactly what you will pay before you arrive at the pharmacy.
5. Keep up with preventive care.
LCRA’s group medical plan covers preventive care at no additional cost when you see an in-network provider. Preventive care is designed to help you stay healthy – and may help catch health problems early. Preventive care includes: screening tests, vaccines and wellness visits. In addition, regular visits with your primary care doctor give you the opportunity to discuss things like quitting tobacco, healthy eating or losing weight.