Unlock Savings on Health Care

No one likes to pay for health care. But we need health care to help us stay healthy, manage health conditions and get care when we need it most. Health insurance protects us from the financial burden of unexpected medical costs.

There are a few ways to help lower your out-of-pocket costs. Read on to learn how you can save on doctor visits, prescription medications, fitness equipment and more. 

Stay Healthy with Preventive Care

The best way to save money on health care costs is to stay on top of your health with preventive care. We can’t always avoid illness, but we can do our part to protect our health with annual exams, health screenings and staying up to date on immunizations. It all begins with scheduling an annual visit with your primary care provider.

At the visit, you will talk with your doctor about your health history and any changes you may be noticing. You can also find out what screenings are right for you and if you’re due for any vaccines.

Visit an In-Network Provider to Save Money

Your health plan gives you access to many kinds of health care providers like doctors, therapists, clinics, pharmacies and hospitals. Before you go for care, make sure a provider is in your health plan network.

Those who are contracted to provide care for you and other family members in your health plan are called network providers. They may also be called in-network providers or participating providers. Providers who do not have a contract with your health plan are out of your network.

To find providers in your network, log in to your account online or through the BCBSOK App and go to Find Care. Then follow these tips to help keep your costs down.

Save on Prescription Medicine

There are a few easy ways to save on your prescription medicines: By filling your Rx at an in-network pharmacy for your health insurance plan, by checking your plan’s drug list, and by discussing your options with your provider or pharmacists.

Preferred Pharmacy Savings
If a preferred pharmacy network is part of your benefits, you’ll save the most money when you fill your prescriptions at one. When you use a preferred pharmacy, you pay the lowest out-of-pocket cost on covered prescription drugs. Some medicines have copays as low as $0 at preferred pharmacies. If you need a 90-day supply, you can git it at preferred pharmacies or by home delivery. Learn how to find an in-network pharmacy.

Prescription Drug List
A drug list is a list of drugs that are covered under your prescription drug benefit. How much you pay out of pocket is determined by whether your drug is on the list and at what coverage level, or tier. A generic drug is often at the lower tier. See if your drug is covered.

Some prescription drug plans may require you to pay more if you fill a prescription for a brand name drug when a generic equivalent is available. Members are encouraged to use drugs that are safe, work well and are cost effective. Learn more about pharmacy and prescription plan coverage here.

Ask your provider or pharmacist if there are any lower-cost alternatives for your prescription. A generic or lower-tier brand drug may be right for you. Treatment decisions are always between you and your provider.

Get Member Perks

Blue365^®*
Any member of a participating Blue Cross and Blue Shield plan is eligible for Blue365, a free health and wellness discount program offered to members. 

You and your covered family members can save with top retailers on products and services that may not be covered by insurance. There are no claims to file and no referrals or prior authorizations needed. Discounts fall into six categories: Apparel and footwear, fitness, hearing and vision, home and family, nutrition, and personal care. Learn how to create an account and save with Blue365.

*Blue365 is a discount program only for Blue Cross and Blue Shield of Oklahoma members. This is NOT insurance. Some of the services offered through this program may be covered under your health plan. You should check your benefit booklet or call the Customer Service number on your member ID card for specific benefit facts. Use of Blue365 does not change monthly payments, nor do costs of the services or products count toward any maximums and/or plan deductibles. Discounts are only given through vendors that take part in this program. BCBSOK does not guarantee or make any claims or recommendations about the program’s services or products. You should consult your doctor before using these services and products. BCBSOK reserves the right to stop or change this program at any time without notice.