Although 90% of Americans now how health care coverage, many struggle with the high cost of medical treatment. On top of the premiums, deductibles of $3,000 or more are are common. Here are a few tips that may help reduce your cost of medical care.

1. Know Your Options

Your insurance likely includes telemedicine, walk-in clinic, urgent care and drug store clinics and other alternatives to office visits. Also, be sure to obtain care earlier instead of waiting until the situation is worse, and more expensive to treat.

2. Shop Around

Costs for the same procedure can vary widely among providers — particularly for more expensive procedures like XRay, MRI, repeated physical theraphy. Procedures from hospital related providers are often the most expensive. Stand-alone facilities owned by individual providers can be among the lowest cost. Also, always ask what a cash payment, sans insurance, would be. You may find options that are less than the cost to you through the insurance program.

3. Use In Network Providers

Be sure to check in advance if the provider you plan to visit is in your insurance coverage network. Service fees for out of network providers can be much higher and may lead to higher deductibles and out of pocket maximumx.

4. A Prescription for Savings

In addition to saving by using generic alternatives, your doctor may be able to provide free samples. If you require repeated refills, be sure to take advantage of mail order options. Often you obtain medications for a longer period at a lower cost per dose.

5. Just Ask

Don’t be hesitant to ask your doctor, pharmacist or other provider how you can save money. Cheaper alternatives may be available. You physician may be willing to speak to forego an office visit, or the physician’s assistant can often provide care at a lower cost.

6. Negotiate

You may be able to pay a lower price by paying cash instead of filing claims. Perhaps you can assist your provider with marketing, web, computer or other skills in exchange for services.

7. Look for Wellness Incentives

Incentives may be available if you stop smoking, lose weight, participate in workplace fitness programs or other programs. In addition to reducing premiums, you will be more healthy.

8. Let Uncle Sam Help

Healthcare FSA or HSA plans allow you to pay for healthcare services with pre-tax money. These options can mean savings up to 30% or more.