Reduce My Costs

Reduce My Costs helps members find care at lower-cost facilities for outpatient medical procedures and diagnostic tests — making it easy to save money on out-of-pocket costs, especially for high-deductible plans.

This voluntary program increases members’ awareness of medical cost differences and rewards them for saving money. It is included for all fully insured commercial plans, at no cost to employers or members.

How Reduce My Costs works

1. A Harvard Pilgrim member contacts a Reduce My Costs nurse at (855) 772-8366 or through the easy-to-use chat available at the Reduce My Costs website whenever an elective, outpatient procedure or diagnostic test or procedure is scheduled.

2. The experienced nurse will:

  • Compare provider costs and inform the member of lower-cost options
  • Assist with paperwork and appointment scheduling or rescheduling

3. If the member is already seeing a lower-cost provider, they will receive a reward just for calling.1

4. If the member decides to receive care from a lower-cost provider, they will earn a reward , depending on the service and the associated cost savings.2

Note: Reduce My Costs nurses may reach out to members if they spot possible savings opportunities.

Examples of procedures, costs and savings

Learn More

Reduce My Costs is available as a buy-up for self-insured business at preferred pricing. For self-insured accounts with 51+ eligible employees, pricing is $1 PEPM plus member rewards OR 50% of cost savings plus member rewards, whichever is greater.3 For more details, ask your sales representative.

Download flyer (pdf)

For more information, please contact Harvard Pilgrim at (800) 848-9995.

1$150 minimum savings for reward.

2 Reward payments are considered taxable income. Massachusetts members may receive a maximum of five Reduce My Costs rewards per calendar year. Per state regulations in Connecticut, rewards are in the form of health and wellness gift cards.

3 Member rewards are funded by the employer.