Reduce My Costs

Reduce My Costs (formerly SaveOn) is a voluntary program that makes it easy for members to save money by finding care at a lower-cost facility for elective, outpatient medical procedures and diagnostic tests.

Reduce My Costs helps employers lower health care costs by increasing awareness of medical cost differences without reducing benefits or cost shifting.

How Reduce My Costs works

  1. A Harvard Pilgrim member calls (855) 772-8366 whenever his or her doctor recommends an outpatient test or procedure such as:
Radiology (e.g., MRI and CT scan) Bone density study
Lab work Colonoscopy
Mammogram Other non-emergency outpatient tests and procedures
Ultrasound
  1. The member speaks with an experienced nurse who will:
    • Compare provider costs and inform the member of the lower-cost providers in his or her area
    • Assist with scheduling or rescheduling the member’s appointment and help with any paperwork
  1. If the member is already seeing a lower-cost provider, he or she will receive a reward just for calling.*
  2. If the member decide to receive care from a lower-cost provider, he or she will earn a cash reward, depending on the service and the associated cost savings.

*$150 minimum savings for reward.

Reduce My Costs Reward Structure

Here’s what your Harvard Pilgrim members and their dependents will receive when using Reduce My Costs:

$10 Minimum Reward*

For Harvard Pilgrim members who call and are already scheduled at a low-cost provider

$25 Reward*

For Harvard Pilgrim members switching to a low-cost provider for:

  • Bone Density Study
  • Lab Work
  • Mammogram
  • Ultrasound

$50 Reward**

For Harvard Pilgrim members switching to a low-cost provider for:

  • MRI
  • CT Scan
  • PET Scan

$75 Reward***

For Harvard Pilgrim members  switching to a low-cost provider for:

  • Colonoscopy
  • Other
  • Other outpatient surgeries

*      Minimum savings to qualify for $10 and $25 reward is $150
**    Minimum savings to qualify for $50 reward is $250
***  Minimum savings to qualify for $75 reward is $350


Promoting the program throughout the year

The success of Reduce My Costs depends on members’ ongoing awareness about the program.  Visit the Communications Toolkit for ready-made templates.

Tools

Use these tools to promote virtual visits and help your members set up accounts to get care when they need it.

Program Eligibility

Reduce My Costs is available to fully and self-insured groups based in Massachusetts, New Hampshire, or Maine, with 51 plus FTE employees as a buy-up option. There is a $2.50 per employee/per month administration fee and the employer funds the incentives.

It is also included with all New Hampshire-based, small group plans (up to 50 FTE) at no cost to the employer or employee.  Effective 1/1/2019, Reduce My Costs will also be included with all New Hampshire large group fully insured plans at no cost to the employer and employee.

Learn More

Contact Harvard Pilgrim at (800) 848-9995

Reward payments are considered taxable income. Massachusetts members may receive a maximum of five Reduce My Costs rewards per calendar year.

Form No: NH3827500216SF