According to a recent survey, more than half of U.S. households live paycheck to paycheck or close to it.

As many as 20 percent have nothing set aside for unexpected expenses, and nearly one third have only $500 set aside for emergency expenses.

For anyone in such circumstances, medical out-of-pocket costs can be difficult to manage. 

But you can have some control over how much you will owe. Our Provider Finder® tool has information about the fees that different providers and hospitals charge for the same procedure.

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So not only can you be sure you choose a provider or facility that is in your network, you can see if there are less costly options available to you. To access Provider Finder, log in to Blue Access for MembersSM and click on the Find a Doctor or Hospital tab.

The differences in some procedure costs (and any amount you might owe as coinsurance after your deductible has been met) can be significant.

Wondering how you can find out the most cost-effective location for your test or procedure? Call the customer service number on your member ID card.