When you use in-network providers and facilities, you pay less out of pocket than for out-of-network care. Is your provider or facility in-network? Call the number on your medical plan ID card or visit your plan website:

• On the Aetna site, select Aetna Choice POS II (Open Access) in the drop-down menu.
• On the BCBS site, log in and under Pick a Plan, enter Jabil Inc. as the Plan name, enter “ABI” as the first 3 letters of the member ID, and choose plan: BlueCard PPO.

Check to see if the hospital is in your network before receiving services. Just because your in-network doctor has admitting privileges doesn’t necessarily mean the hospital is also in your network. And get the necessary preauthorization through your medical plan administrator — if you don’t, you may pay a penalty or find out your service isn’t covered.

Mistakes happen, so review your medical bills and Explanation of Benefits (EOB) forms carefully. If you find an error, contact your medical plan administrator. You can also contact Health Advocate for help understanding your bills, negotiating a balance, making a payment plan and knowing your rights to appeal a denied claim.

Ask your doctor to prescribe generics instead of brand name drugs when possible. OptumRx regularly updates its Premium Formulary and Preferred Specialty List — also called a drug formulary — which is designed to help you get the right medicine at the best cost. You and your provider should also be aware of excluded medications and their alternatives. 

OptumRx also has programs in place to help keep costs down, such as Step Therapy and Prior Authorization.

Mail order can save you time and money on prescription drugs you take on a regular basis. Remember, if you’re in Healthy Plus, your eligible preventive medications are covered with no deductible. Check the Preventive Drug List.

Use your Dependent Care FSA to pay for eligible dependent care expenses (NOT healthcare-related expenses), such as daycare, after-school programs for children up to age 13, and elder care.

And be sure to use your FSA money by December 31 — you lose any money left at the end of the year. File your claims by March 31 of the next plan year.

Learn more at Discovery Benefits.

The Health Reimbursement Account (HRA) pays for your first dollars spent on eligible medical expenses and applies toward your annual deductible. HRA money at year-end rolls over if you stay in Healthy Premier. HRAs are managed by Jabil medical plan vendors.

If you’re enrolled in the Healthcare FSA, check out FSAstore. Here you can find and purchase FSA-eligible products.

You can save money on health care products and more through your Jabil medical plan vendor — Aetna or BCBS. Log on to your medical plan website to learn more.