4 Ways to Save on Health Care Use Preventive Care – Regular check-ups, screenings, and vaccinations can help detect health issues early, preventing costly treatments down the line. Most plans cover preventive care at no extra cost, so take advantage of it. Choose In-Network Providers – Visiting doctors, specialists within your insurance network ensures lower out-of-pocket costs. Before scheduling an appointment, confirm that the provider is in-network to avoid surprise bills. Compare Prescription Prices – Medication costs can vary widely. Ask your doctor about generic alternatives, use prescription discount programs, and compare prices at different pharmacies to find the best deal. Utilize Telehealth Services – Virtual visits with doctors and specialists can be a cost-effective alternative to in-person appointments for minor illnesses, follow-ups, and general consultations—often at a lower copay.