Make the most of your medical plan benefits

The following tips can help you stay well and save on health care costs.

Tip 1: Use your preventive care benefits

Your plan covers certain preventive services in full when received from an in-network provider.

Tip 2: Choose in-network providers and pharmacies

Refer to the online provider directory to locate in-network providers and participating pharmacies.

Tip 3: Use preferred retail or mail order pharmacies to fill 90-day supplies of maintenance medication

Purchase up to a 90-day supply of maintenance medications using a participating mail-order pharmacy or a preferred retail pharmacy. Not all drugs are considered maintenance prescriptions, including compounded drugs, drugs from specialty pharmacies and oncology drugs.

Tip 4: Access the most appropriate care

Knowing when and where to get care is essential to your health and your wallet.

  • If you're experiencing a life-threatening medical situation, immediately seek emergency care at the nearest hospital or call 911.
  • If your health need is immediate – but not emergent – other care options are available including urgent or immediate care facilities.
  • If you’re suffering from a common health condition, like the cold, flu, rash or allergies, use Providence Express Care Virtual, the on-demand, health care service that enables a secure provider visit from your computer, smartphone or tablet.
  • If you’re not really sure what’s ailing you or what to do, talk with a Providence nurse 24/7 with ProvRN. Call 800-700-0481 or 503-574-6520.

Tip 5: Compare costs

Before receiving care, log in to myProvidence and use the treatment cost calculator to learn about a facility or doctor, and the estimated costs of your treatment. You can also compare medical facilities to make sure you’re getting the best care at the best price. The costs are customized to you based on your plan benefits, the providers in your plan’s network and how much you’ve accumulated toward your deductible and out-of-pocket maximum.