Pub. 2 2020 Issue 1

Mistake 4 Going straight to the emergency room when the doctor isn’t available The truth Options such as urgent care or even virtual doctor visits can help your employees get the quality care they need, without the high cost of an emergency room visit. Our solution We offer your employees tools and support to find the level of care they need. To help them avoid costly and unnecessary emergency room visits, our plans cover multiple urgent care options, including a telemedicine service called Doctor on Demand. Members can get fast and affordable urgent care by connecting with a doc- tor through a live video visit on their smartphones, tablets or computers. Emergency room visits can cost three times more than urgent care visits. Fifty-six percent of emergency room visits are totally avoidable. Mistake 3 Choosing a more expensive provider in hopes of getting better care The truth The old adage “You get what you pay for” may apply to concert tickets or a new roof, but it doesn’t necessarily apply to health care. There can be a significant difference in cost but not necessarily in quality of care for services like: • Lab work • Screenings • Outpatient surgery Our solution Many of our plan designs are struc- tured to drive toward quality services that have a lower out-of-pocket cost for members. We offer different network options and site-of-service benefits, such as our LP (Low-Cost Provider) network. Use these solutions to keep costs down all-around. By helping our members avoid these mistakes, NHADA and Harvard Pilgrim is helping employers save. And with a wide range of coverage options at multiple cost structures, we can help you find the right solutions at the right price. 3 4 Many of our plan designs are structured to drive toward quality services that have a lower out-of-pocket cost for members. Members can get fast and affordable urgent care by connecting with a doctor through a live video visit on their smartphones, tablets or computers. N E W H A M P S H I R E 15