U.S. Office of Personnel Management - Ensuring the Federal Government has an effective civilian workforce

Within any plan, there are things you can do to minimize your out-of-pocket costs and make the plan work best for you.

Here are some ideas for getting the best value for your premium dollar:

• When you need care, use your brochure to find out about the plan's rules and coverage. Know what services require precertification, prior approval, or referral before you use them. Verify physician participation.
• An easy way to save money is to use your plan's home delivery drug program, if it has one. You will usually get the convenience of a 90-day supply instead of a 30-day supply and lower out-of-pocket expense.
• Request generic drugs instead of brand name drugs. A generic medication is a copy of a brand name drug. It has the same active ingredients and receives the same Food and Drug Administration approval but costs less. Most plans charge you a lower copay if you use generic drugs.
• Almost all FFS Plans have Preferred Provider Organizations. Using a PPO will reduce your out-of-pocket expenses. It is important to note, however, that some of the services provided in a PPO hospital may not be covered by PPO arrangements, such as anesthesia and radiology.
• Ask questions. You deserve a voice in your own health care.