Pharmacy: Quick Tips to Save
Understanding your pharmacy benefit and how it works can save you money next time you head to the pharmacy.
Stop and Compare drug pricing from location to location as prices can change monthly.
Swap your prescriptions for over-the-counter drugs, if possible.
Use generic drugs, whenever possible.
Look into mail order, it could save you money and time.
When possible, you should always choose an in-network doctor, hospital, or facility. Use our Find Care search tool to find the facility right for you.
- Stop and Compare drug pricing from location to location as prices can change monthly
- Swap your prescriptions for over-the-counter drugs, if possible.
- Use generic drugs, whenever possible.
- Look into mail order, it could save you money and time.
The Price a Medication tool is located within your member account. From the left hand menu, go to Pharmacy > Price a Medication.
A generic drug is a copy of the original drug that is no longer protected by a US patent. It is typically a drug that has been available for more than 20 years. Generic drug manufacturers are allowed to produce these medications after the patent for the original brand has expired. Generic drugs are less expensive than brand-name drugs since generic manufacturers have not had to invest in the research and development of the drug when it was brought to market. Substituting a generic drug for a brand-name drug usually has no adverse effect.
Know Your Network
You have access to a PHP network of healthcare providers as part of your health plan. Where you receive care can greatly impact how much you will pay for healthcare services. Keep these three things in mind next time you need care:
Choose an in-network provider
When deciding where to receive care, choosing an in-network doctor, hospital, or facility is always the best way to maximize your insurance coverage.
Use the Find Care tool
Use our Find Care tool to search for in-network doctors and facilities when you need care. You can filter and sort your search to find a location near you, find a certain specialty, and more.
Have a student away at school?
We extend in-network coverage for dependent students when they are away at college. College students may seek treatment from providers near campus as if they are in-network doctors. Simply notify us that a dependent college student is living outside the service area by completing this quick form.
Treatment Cost Estimator
Costs for medical treatment can vary greatly depending on the facility and provider. Our online Treatment Cost Estimator provides estimates of both total costs and out-of-pocket expenses for common medical treatments and services. These estimates provide information to help you budget and select where you want to receive care. Log on to your member account and select My PHP > Treatment Cost Estimator. From there you can search using location, distance, service desired, and/or preferred doctor/facility.
This feature is also available through the PHP Go! mobile app. To download, go to your phone's Apple App Store or Google Play and search 'PHP Go!'
Our provider directory helps you to find a doctor or a facility in your network. Please be aware that this information is updated on a regular basis. To be certain a doctor is participating, ask the office staff prior to receiving care, or call the PHP Customer Service Department. Always show your ID card at each visit.
Where you receive care can greatly impact how much you will pay for healthcare services. By using an in-network provider, you will maximize your insurance coverage while keeping costly out-of-network expenses at bay.
When using an in-network provider, certain preventive services are covered at no cost sharing to you. Use our Preventive Services tool located in your member account to see a full list of what is available to you.
Yes, you can use the Treatment Cost Estimator tool located in your member account. This tool allows you to estimate both total costs and out-of-pocket expenses for common medical treatments and services, helping you find care that fits within your budget.