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5 Tips to Help You Reduce Your Health Care Costs in 2020

A new year is a great chance to start fresh. If you’re among those kicking off a new decade with a new health plan or a refreshed determination to better control your spending, you may be looking for ways to save money on your health care costs. 


If your health coverage is through your employer or an individual plan that you purchased on your own, these tips may help you put your benefits to better use and take advantage of services your plan might offer.

  1. Know what’s covered
    Many plans cover annual check-ups and screenings. Find out what your plan covers and take advantage of inclusions or discounts. This may include your tax-free health saving account (HSA) contributions, sometimes matched by employers. 
  2. Shop around
    Health care quality and costs can vary significantly across the country and within the same city. Some health plans offer tools and resources, such as the UnitedHealthcare app or uhc.com/transparency, to help you comparison shop for medical services so you know what you may pay for treatment. 
  3. Know where to go
    Many emergency room visits could be managed in lower-cost settings, such as urgent care, a doctor’s office or a virtual visit. Learn more about what to consider when deciding where to go for care.
  4. Go generic
    Generic medications contain the same active ingredients as their brand-name counterparts, and they may save you money. But remember that generics can cost as much as 10 times more at one retailer compared to another, so shop around. UnitedHealthcare members can compare prescription costs through the pricing tool at myuhc.com and the UnitedHealthcare app.
  5. Take advantage of incentives
    Many employers offer incentive-based well-being programs, which may enable you to earn rewards based on meeting certain health goals. One example is UnitedHealthcare Motion®, which enables eligible program participants to earn more than $1,000 per year by meeting certain daily walking goals.* Visit unitedhealthcaremotion.com for more information. 


*Financial incentives may be less due to limits under applicable laws.

UnitedHealthcare Motion is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for you. Receiving an activity tracker and/or activation credit may have tax implications. You should consult an appropriate tax professional to determine if you have any tax obligations from receiving an activity tracker and/or activation credit under this program, as applicable. If any fraudulent activity is detected (e.g., misrepresented physical activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. Contact us by email (will.shanley@uhc.com) and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. 

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.