Cost Saving Tips

Marketplace plans have two types of costs: premium and the cost for care.

• Premium is the monthly payment you make to keep your coverage and all the benefits and services that come with your CareSource plan.
• Cost for care is the cost for covered health care services that you and CareSource share. This page focuses on helping you lower your cost for care.

Your costs for care consist of provider costs and cost shares.

• Provider costs: We work with providers to agree on an overall cost for services. Overall cost considers the place, such as office or clinic, and the cost of working with the provider. This has a high impact on the cost of the service you get. For example, going to the Emergency Room (ER) for an ear infection is going to cost much more than going to an Urgent Care or a PCP for the same issue.
• Cost shares: The Schedule of Benefits for your plan will tell you how we share the cost of care. Cost shares are stated as copays, coinsurance, and annual deductible, and apply to most services.