Unless it’s a true life-threatening emergency, your primary care provider is likely the best option for care. The same services can be hundreds of dollars (or more) less expensive, and higher quality, at a primary care when compared to a hospital or urgent care.

On average, people who regularly see the doctor for preventive care spend less on healthcare than those who don’t. Why? Because health problems are far easier, and less expensive, to treat early.

Health insurance can be complicated, but understanding what you pay for can go a long way. Physicians make recommendations based on what they feel is the best course of action for you. However, your physician doesn’t control how much those services will cost. Pricing is based on what your insurance plan covers and is personalized to you. Most insurance companies try to break down the details of your coverage, but don’t be afraid to give your insurance provider a call and ask them to further explain co-pays, deductibles, and charges for specific services or prescriptions you commonly use.

Different pharmacies charge vastly different prices for the same medication. Prescription pricing is based on what your plan covers, not what the doctor charges. So take the time to find out where to get your medicine, don’t just go to the any pharmacy.