Simple Ways To Save  Manage Your Health Care Costs

At Independent Health, we want you to understand your plan benefits along with the options available to make informed decisions and save you money.

Simple Ways To Save  Manage Your Health Care Costs

At Independent Health, we want you to understand your plan benefits along with the options available to make informed decisions and save you money.

KNOW YOUR BENEFITS

PARTNER WITH YOUR DOCTOR

HEALTHCARE OPTIONS

COMPARE COSTS

PRESCRIPTION COSTS

PARTICIPATING PROVIDERS

REDSHIRT TREATMENT

Top

Know Your Benefits  Find Savings

Familiarize yourself with the health care services covered under your plan and their costs – including your FREE Annual Wellness Visit and other $0 preventive services to help you live a healthy life.

Review My Benefits

Partner With Your Doctor

Your primary care physician is your best partner in managing and coordinating your care, and an important resource for managing your health care costs.

Get the Conversation Started:

Schedule your FREE Annual Wellness Visit with your doctor.

Let them know if you're in a deductible plan.

Ask about lower cost options that are appropriate for you.

If you don't already have a primary care physician, use your online account to find a physician that participates with your specific plan.

Choose Doctor

Understand Your Options To Save Time  Money

When you can’t reach your primary care physician, it’s a comfort to know you have options that allow you to seek the appropriate health care you need while also managing your out-of-pocket costs.

24-Hour Medical Help Line

Call or chat online with an experienced registered nurse when you have a health question or concern.

Learn about treatment and procedure options available to you for different health problems or issues.

Available at your convenience 24 hours a day, 7 days a week.

Learn More

Telemedicine Benefit

Connect with a doctor anytime, anywhere, using your phone or online video to discuss non-emergency symptoms or conditions (e.g., common cold).

A prescription can be filled if medically necessary.

Available at your convenience 24 hours a day, 7 days a week.

Please refer to your plan benefits to determine whether this option is available to you.

Get Started

Urgent Care

Immediate care for non-life-threatening injuries and illnesses (e.g., sprains, cuts, infections).

Great alternative for times when you are unable to reach your primary care physician.

More cost-effective alternative to the emergency room.

Find Urgent Care

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Emergency Room

Compare the Cost of Medical Services

When you need a routine health care service, like a chest X-ray or MRI, you may have options that could save you money.

Freestanding Facility

VS

Hospital

We offer a number of freestanding facilities in our network to provide you with choice and flexibility – and the ability to save you money.

See the Cost Difference

Manage Your Prescription Drug Costs

There are options for you to consider which can help you save on prescription costs. Learn more about your benefits and your options. Talk with your doctor or your pharmacist. Asking the right questions can lead to real cost savings.

Find out if my drug is covered.

It is important to know if a medication is covered by your plan's prescription drug benefits. Checking the formulary, or list of covered drugs, and using our online drug cost tool will help you understand your out-of-pocket cost.

If the drug your doctor prescribes is not covered or is too expensive, ask about an alternative. At times, a similar drug can work just as well – including a generic version of the drug or a therapeutic equivalent.

Find Out Now

Ask for a 90-day prescription.

Switching from a 30-day to a 90-day supply of medications you regularly take could save you time and money. Drugs marked with “MM” on the formulary are maintenance medications that may be filled as a 90-day supply.

For added convenience, you might be eligible for home delivery of these extended day supplies for no extra charge.

Ask your doctor to write a new prescription today.

Shop around.

Did you know that prices for the same prescription drug may vary by pharmacy?

If you are concerned about drug costs, invest some time calling or visiting pharmacies in your area. You could save money.

Explore Your Options

Make Sure Your Doctor Participates With Us

Independent Health has negotiated special rates with high quality physicians, hospitals, and labs in Western New York which means you will pay less by using these "in-network" providers. Receiving care from in-network providers will help you avoid surprise "out-of-network" charges or having to pay in full because they do not accept Independent Health plans.

Find a Participating Provider

You Deserve the RedShirt Treatment®

Getting the answers you need when you need them, along with the tools you need to manage your plan, are just some of the ways we deliver the RedShirt Treatment. You can conveniently access your plan benefits, ID card, claims and more through your online account.