Statistics show that nearly 40% of people across the country do not have $400 saved up in case of emergency. Unfortunately, unexpected medical expenses can easily add up to more than this if you get into an accident or develop a serious medical condition. Here are some ways to save on health-related expenses that you may not have tried yet.

Choose Care Providers Wisely

Providers who are considered in your insurer’s network have an agreement with the insurance company to charge a set rate for the types of care they provide, which is lower than the cost if you visit an out-of-network provider for the same service. You can save money simply by choosing doctors and labs that are considered in-network over those that aren’t. Check your insurer’s website to select a doctor who is in-network, or you can call and ask for the doctor’s billing department to verify their status before you make an appointment to receive care.

Examine Any Medical Bills Before Payment

Just over 54% of insured Americans find medical bills hard to understand, leaving them confused some or all of the time. This is understandable as the bills can contain medical expense codes and technical terms that are hard for the average person to decode. But reviewing the bill to be sure no errors were made is one easy way to save money, as mistakes made on your bill are unlikely to be corrected unless you notice them and ask to have them rectified. There can be many issues that lead to your doctor or hospital bill being higher than it should be, including failure to bill your insurance company before sending you a bill, denial of payment of a covered expense by your insurance company, or failure to charge you the appropriate group rate for a service. If you identify expenses that shouldn’t be included on your bill, contact the health care provider to have them removed.

Swap for Generics

If you have to pick up prescription medication, ask the pharmacist if there is an equivalent generic drug you can get instead. These drugs use the same formulation but have different names than brand-name drugs, which can be quite expensive. Over the length of time that you use the medication, this can add up to significant savings.

Take Preventative Action

Around 1 in 8 women in the United States is diagnosed with invasive breast cancer at some point in their lives. This can be fatal if it isn’t caught early, and even if it’s treatable, the cost of chemotherapy or radiation can be high. Going to regular preventative care appointments and tests, like mammograms, helps medical professionals spot the signs of disease early on. These regular preventative appointments and the related tests are often fully covered by insurance, so they cost you nothing out of pocket.

Set Up a Health Savings Account (HSA)

An employer-backed HSA account is a good way to prevent spending money out of your pocket on health-related expenses. The money you contribute to it is taken directly from your payroll, is tax-free and typically gets matched by your employer. This helps the balance on your HSA grow quickly. You’ll be issued with a debit card connected to the account which can be used on any medical expenses you need to pay for out of pocket, including tests, prescriptions, and co-payments for doctor’s visits.

While medical care can be expensive, planning and forethought can help you save money and stay within your budget, even if you have to visit the doctor multiple times in one year.