Use Your Insurer’s Tools to Shop for Better Deals
Many insurers have tools to help you compare prices at in-network facilities. Cigna, for example, has a mobile app that shows the closest care options and calculates how much you’d pay under your policy. It will even let you know whether you’re in the deductible period and will have to pay the full cost, or if you will owe a portion of the charge as coinsurance.