Effective January 1, 2020, the Reduce My Costs program will be included for all fully insured commercial plans in Massachusetts, New Hampshire, Maine and Connecticut, regardless of anniversary date. There is no cost employers or members. This change does not affect the program offered at no cost to Maine small group HSA eligible plans.
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 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:
| Outpatient test or procedure | Outpatient test or procedure |
| Radiology (e.g., MRI and CT scan) | Bone density study |
| Lab work | Colonoscopy |
| Mammogram | Other non-emergency outpatient tests and procedures |
| Ultrasound |
- 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 decide to receive care from a lower-cost provider, he or she will earn a 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
Program Eligibility
Effective January 1, 2020:
- Reduce My Costs will be included for all fully insured commercial plans at no cost to employers or members. This does not affect the program offered at no cost to Maine small group HSA eligible plans.
- The program will be available in all markets, including Massachusetts, New Hampshire, Maine and Connecticut.
- Members of Connecticut employer plans cannot earn cash rewards due to state regulations but are eligible for gift card rewards.
- It is available as a buy-up for self-insured business at preferred pricing. For self-insured large group accounts with 51+ FTE employees, there is a $2.50 per employee/per month fee and the employer funds the incentives.
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