Use The Appropriate Provider!
One reason premiums keep going up is the misuse of the Emergency Room! In 2017-18, over $45 MILLION was spent on ER care for NON-emergencies!! Here are the most cost-effective options in order: (click on Urgent or Minor Chart below to see options!)
Urgent or Minor Chart
When you need help deciding whether you should go to the emergency room or make an appointment with your doctor, 24/7 Nurseline is here to help. Call 1-833-968-1770 any time, day or night, with questions about fevers, burns and other health issues.
Use TeleDoc or Redi-MD instead of taking off work for an appointment. The services are free to those on the Primary, Primary+, and ActiveCare 2 Plans, and only $30 per visit for those on the HD Plan.
The use of Teledoc saved over $9 MILLION last year!
Learn More About TeleDoc
Learn More About Redi-MD
Use In-Network physicians (check for after-hours if available!)
In-Network Provider Locator
Use an In-Network Urgent Care Facility (see In-Network Provider Locator)
Use an In-Network Hospital Emergency Room (check your area ahead of time — you may not have a choice, but many times you can direct an ambulance to take you to a certain hospital.)
*** A note about Free-Standing ER facilities: If you go there for an actual life-threatening emergency, they will call for an ambulance and send you to a HOSPITAL! Then you’ll have a bill from the ER, a bill from the Ambulance company, AND a bill from the hospital.
Ways to Save on Prescription Drugs
Walker Insurance has partnered with National Drug Card to offer you a FREE Prescription Drug Discount Card! Save up to 85% on generic and brand name prescription drugs. There is also a Pet Rx Discount Card to help you save on your pet’s medications. Look for and download the app to your phone! With the app, you get both the Prescription and Pet Med cards, and you can also check drug costs in your area right in the app! Once you download the app, be sure to use Group ID NDC3504 to activate your access.
CareMark Rx Coverage Details
If those who use a medication regularly would use the 90-day Supply option, they would save money on co-pays and costs, and it would save the plan over $11 MILLION per year!
Generic Preventive Drugs are available at NO CHARGE for ActiveCare HD-1 participants through CareMark. Here is a list of the current medications (the IRS dictates which drugs are on the list)
Generic Preventive Drugs List 2021
If you need help for expensive medications here are two organizations that provide assistance for prescription drug costs.
Partnership For Prescription Assistance
PAN Foundation
RETAIL-PLUS Pharmacies have agreed to charge LESS for medications!! Here’s a list of participating pharmacies:
Retail-Plus Pharmacy Network
Take Advantage of Preventive Care Screenings
TRS encourages you to maintain health and wellness through routine “preventive” care. Preventive care means taking good care of yourself by participating in routine health check-ups and screenings for common ailments. Not only do these activities contribute to longevity and healthy living, you will realize significant financial savings in the long run.
Going to the doctor regularly can help you catch potential health problems before they get too serious – and TRS plans will pay 100% of in-network office visits and lab tests for preventive care.