Reduce my costs 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
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
Other non-emergency outpatient tests and procedures
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
If the member is already seeing a lower-cost provider, he or she will receive a reward just for calling.*
If the member decides 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
For Harvard Pilgrim members switching to a low-cost provider for:
$75 reward*** for Harvard Pilgrim Members switching to a low-cost provider for:
*Minimum savings to qualify for $10 and $25 reward is $150
*** Minimum savings to qualify for $50 reward is $250
**** Minimum savings to quality for $75 reward is $350
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 fee and the employer funds the incentives.
It is also included with all New Hampshire-based, small group plans (up to 50 FTE) and all Maine HSA small group plans at no cost to the employer or 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.