Reduce My Costs

Find care at a lower-cost, high-quality facility – and earn rewards just for using the program! 

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Staying healthy has its rewards

Your physical and financial health are important to us. That’s why we offer Reduce My Costs. Any time you are scheduled to receive elective, outpatient medical procedures or diagnostic tests, this program can help you find lower-cost providers – saving you out-of-pocket costs. Examples include:

  • Radiology
  • Lab work
  • Mammogram
  • Ultrasound
  • Bone density study
  • Colonoscopy
  • Other non-emergency outpatient tests and procedures 


In addition to what you save on your out-of-pocket costs, you get rewarded for choosing a lower-cost provider.1


Reward amount How to earn reward


minimum reward for Harvard Pilgrim members who call and are already scheduled at a low-cost provider


for saving at least $150 on:

  • Bone density study
  • Lab tests
  • Mammogram
  • Ultrasound


for saving at least $250 on:

  • MRI
  • CT scan
  • PET scan


for saving at least $350 on:

  • Colonoscopy
  • Endoscopy
  • Other outpatient tests and procedures
  • Other outpatient surgeries

Minimum savings to qualify for a reward is $150

Ready to get rewarded?

Whenever your doctor recommends an elective outpatient medical procedure or diagnostic test, call Reduce My Costs at (855) 772-8366, or visit the Reduce My Costs website to chat live with a nurse.

You’ll speak with an experienced nurse who will:

  • Compare provider costs and inform you of the lower-cost providers in your area
  • Assist with scheduling or rescheduling your appointment and help with any paperwork



Your health plan may require a referral and/or prior authorization before you receive services from the lower-cost provider. To ensure the services will be covered, please refer to your plan documents or contact Harvard Pilgrim at (855) 772-8366. Rewards are considered taxable income; please consult with your tax advisor. Massachusetts members may receive a maximum of five Reduce My Costs rewards per calendar year. 

1Per state regulations in Connecticut, rewards are in the form of health and wellness gift cards.