How can I reduce my healthcare costs?
• Make healthier lifestyle choices. Exercise regularly, eat a balanced diet and keep stress to a minimum.
• Practice prevention. Get regular physical and dental check-ups, schedule recommended health screening tests and get your annual flu shot.
• Participate in disease management program. Participation for chronic health conditions. Helps to improve health outcomes and reduces the risk of developing serious long-term complications.
Register at
• Take an active role in your care. Choose a primary care doctor to coordinate your care, and take time to build a good relationship with your doctor.
• Keep the word "emergency" in emergency room. Seek help at an emergency room for deep wounds, chest pain, severe burns or serious trauma. If possible, visit an urgent care clinic, wait to see your own doctor or access the Cleveland Clinic’s Express Care online.
• Don't insist on an office visit or antibiotic prescription for a common cold.
• Shop for the best prices. Be a smart consumer like you are for other purchases and use MyCareCompare to get estimates for providers, services and facilities. Available at
• Ask why tests and treatments are being done, if they are really necessary and what your options are.
• Carefully review your doctor and hospital bills. Be on the lookout for duplicate billings, inaccurate dates and charges for supplies, medications or tests that you didn't receive.
• Discuss prescription medications with your doctor. Ask if a generic drug or over-the-counter medication is appropriate for your condition.
• Request samples when trying a new medication.
• Avoid overuse of antibiotics. The Centers for Disease Control estimates that one third of the 150 million outpatient prescriptions for antibiotics written each year in the United States are unnecessary.
• Take your medication as directed. Keep taking it and finish the prescription even if you feel better.
• Browse available discounts before purchase. Valuable discounts are available on many healthcare items and services that lead to a healthier lifestyle. Available at

Show All Answers

1. What is our medical insurance carrier name, group number and contact information?
2. What is our dental carrier name, group number and contact information?
3. What is our vision carrier name, group number and contact information?
4. Where can I find covered services under our medical insurance and dental/vision insurance?
5. How long is my child covered under our insurance?
6. What is our medical insurance deductible
7. Do we have a copay on our medical insurance?
8. Can you explain our HRA?
9. Can you explain our HSA?
10. Does the city provide life insurance to employees?
11. What is an Employee Assistance Program?
12. What should I do if I am injured on the job?
13. Do we have a home delivery option for prescription drugs?
14. How can I find an in-network doctor or facility?
15. How can I compare costs of doctors and facilities?
16. How can I obtain an additional id card?
17. Can we use "teledoc" services?
18. What additional programs are available through our medical plan?
19. Does the city offer any Deferred Compensation programs?
20. Does the city offer any Supplemental Benefits?
21. How do I access my voicemail remotely?
22. How do I access my email remotely?
23. What is the difference between a deductible, copay, coinsurance and out of pocket maximum?
24. How can I track my medical, dental and vision claims and their payments?
25. How can I reduce my healthcare costs?