This one might seem like a no-brainer, but more times than not, people will get caught using out-of-network providers rather than in-network coverage due to the fact accidents happen. Sometimes we just need emergency medical coverage.

HMO health care plans will typically require that you stay entirely within the system and anything out of the system will be entirely out-of-pocket. PPO plans will allow you to go out-of-network, but you’ll typically being paying more: an in-network visit might be a flat rate of $25, where an out-of-network visit might be a 50% copay. FFS health plans will let you go anywhere, but if saving money is what you’re looking to do it will be best to “shop around” to find the best prices for the services that you’re looking for. And make sure you don’t just pick a doctor because the price is the lowest, be sure to check qualifications and references as well.