To help you save money, most health plans provide access to a network of doctors, facilities and pharmacies. These doctors and facilities must meet certain credentialing requirements and agree to accept a discounted rate for covered services under the health plan in order to be part of the network. These health care providers are considered in-network

If a doctor or facility has no contract with your health plan, they're considered out-of-network and can charge you full price. It's usually much higher than the in-network discounted rate.

No matter which healthcare option you're in, it's in your best interest to use in-network providers.

UHC, BCBS and Caterpillar have negotiated significant discounts with certain providers. The choice is yours, but if you're enrolled in a PPO or CDHP option and use an out-of-network provider, you'll have to pay a much higher portion of the bill. If you're enrolled in the BCBS National EPO option and use an out-of-network provider, you'll have to pay ALL of the bill.

Certain wellness and preventive care services are 100% covered if you use an in-network provider. That means you don't have to pay co-pays or co-insurance for them. Save money, save time and save your health with early detection and prevention by making sure to:

• Schedule annual wellness exams and regular dental cleanings
• Get recommended screenings and immunizations

All plan options cover U.S. Preventive Services Task Force Grade A and B recommendations & Affordable Care Act (ACA) mandates. No charge in-network

Talk with your doctor - there's nothing wrong with asking questions.

• What are the risks of this test/drug/procedure.
• Are there other options?
• How much does it cost? (You may need to contact UHC, BCBS or MagellanRx for this one.) Just like any other major expense, it doesn't hurt to do price comparisons. 
• For prescriptions: Is there a generic version that would work as well as the brand version? Visit U.S. Rx for more information

For routine, preventive or non-urgent care, it's best to see your primary care physician. And, of course, when you're experiencing a life-threatening illness or injury, call 911 and/or go to the emergency room.

But when your condition isn't an emergency and you can't get in to your regular doctor's office, consider this less-expensive option: convenience care/urgent care clinics. Review your healthcare plan's provider directory to see which clinics are in your network.

UnitedHealthcare plan options

Blue Cross Blue Shield EPO plan option

• Caterpillar Medical provides free well-being exams to eligible employees at certain ages.
• Wellness Services offers several health and wellness programs and resources through the year, such as Ask a Dietitian, monthly health campaigns and on-site programs.
• Many Caterpillar facilities offer annual flu shot clinics.