Pub. 3 2021 Issue 6


Harvard Pilgrim Health Care’s Reduce My Costs Program is a Benefit that Really Adds Up

This story appears in the
Drive NH Magazine Pub. 3 2021 Issue 6

Insured members can opt to pay less in out-of-pocket expenses for procedures and tests — and get cash rewards.

With Harvard Pilgrim’s voluntary Reduce My Costs program, if you’re scheduled to receive outpatient procedures or diagnostic tests, this voluntary program can help you find lower-cost providers. Plus, you’ll be rewarded for choosing to save money.

How Reduce My Costs works

  1. Call (855) 772-8366 whenever your doctor recommends an outpatient test or procedure. Available Monday through Friday from 8 a.m. — 6 p.m. Or, log in to your Harvard Pilgrim member account to chat with Reduce My Costs.
  2. You’ll speak with an experienced nurse who will compare provider costs and inform you of the lower-cost providers in your area. They will also assist with scheduling or rescheduling your appointment and help with any paperwork.
  3. If you’re already seeing a lower-cost provider, you’ll receive a reward just for calling.
  4. If you decide to receive care from a lower-cost provider, you will earn a cash reward, depending on the service and the associated cost savings.

Outpatient tests & procedures include:

  • Radiology (e.g., MRI and CT scan)
  • Lab work
  • Mammogram
  • Ultrasound
  • Bone density study
  • Colonoscopy
  • Other non-emergency outpatient tests and procedures

Potential savings per service:

Colonoscopy Price range: $1,060 — $3,500
Potential savings: $2,440
Potential reward: $75

MRI lumbar spine (without dye):

Price range: $299 — $1,657
Potential savings: $1,358
Potential reward: $50

Common routine lab:

Price range: $84 — $911
Potential savings: $827
Potential reward: $25

Ranges are based on Harvard Pilgrim’s data. Actual service prices vary by provider type and location.

  • Your health plan may require a referral and/or prior authorization before you receive services from the lower-cost provider.
  • To ensure the services will be covered, please refer to your plan documents or contact Harvard Pilgrim at 888-333-4742.
  • Rewards are considered taxable income; please consult with your tax advisor.

We are always happy to explain more about these and other benefits to our members. Please email me directly at or call 603-224-2369 for further details.