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7 Tips to Save Money

With a bit of investigation, you can save money on health care expenses. Consider the following tips:

1. Flexible Spending Account (FSA)
   Ask your employer if your company offers a FSA, a separate benefit plan that allows you to pay for expenses with pre-tax dollars. You can use your FSA to reimburse yourself for:
   • Eligible out-of-pocket expenses
   • Dependent care
   • Transportation-related expenses
2. Use a Health Calculator to help budget for annual health care costs
   When you have a choice of health plans, it helps to know which plan is the most cost-effective for your needs. Use the helpful health calculator on FamilyHealthBudget.com to help estimate annual total health care expenses.
3. Health Savings Account (HSA)
   HSAs allow you to deposit pre-tax or tax deductible dollars into a tax-exempt, interest earning account to pay for qualified medical expenses. Unity offers High Deductible Health Plans (HDHP) so that you can use an HSA.the option of opening a HSA. Unity partners with HSA Bank to administer these accounts. Not sure if a HSA is right for you? Use HSA Bank's calculator tool to see if it makes financial sense for you.
4. Brand name versus generic medications 
   Ask your physician to prescribe generic medications whenever possible. Brand medications are more expensive because they are protected by a patent and supplied by a single company. Generic medications are the chemical equivalent of brand-name drugs.
5. Unity’s rewards and reimbursement programs 
   Take advantage of our health and wellness programs. You can earn cash, prizes or discounts for living a healthy lifestyle.
6. Choose a health plan with practitioners and clinics near home or work
   Unity's Find a Doctor tool provides our members with convenient options close to home or work.
7. Fill your prescriptions at a UW Health pharmacy and get free home delivery
   Avoid one more errand and have your prescriptions delivered right to your home – for free! Simply get your prescriptions filled at a UW Health Pharmacy.

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