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00:00It's no secret that health care costs in this country are rising, and a growing number
00:06of employers are adjusting by choosing low-premium, high-deductible plans.
00:11While this is a great way to keep up-front costs down, higher deductibles could increase
00:16costs over the long run for plan members who require more frequent care.
00:21The solution?
00:22Shop around.
00:24Many people spend lots of time searching for a good deal on, say, a new laptop or sofa.
00:29And just like those products, medical tests and treatment tend to vary in cost from place
00:34to place.
00:35For instance, a blood test may cost $75 at one facility and $250 at another.
00:43You'll see many different costs within an individual market for MRIs, knee replacements,
00:48and other tests or treatments as well.
00:51Prescription drug costs may also vary widely, even between two pharmacies within the same
00:56square mile.
00:58But doing price research on medical products and treatments isn't as easy as couch shopping.
01:03No one wants to spend time calling around to different medical providers or pharmacies.
01:08So choosing a health plan that offers online price comparisons for in-network providers
01:13will help employees easily understand their options.
01:18For example, our online cost estimator tool makes it simple to plan health care spending
01:23in advance.
01:25Even if your specific health care plan doesn't give you access to such a feature, there are
01:29many third-party services that will help compare costs between different providers.
01:35Just be careful to stay in-network.
01:38Shopping around to make informed health care decisions is a reality now, thanks to online
01:42tools that do the legwork for you.
01:45You can't make these choices for your workforce, but you can offer them the resources they
01:50need to find the right price.