How to Avoid Surprise Medical Cost + $100 Williams Sonoma Gift Card Giveaway

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avoid surprise medical costs

A few years ago we switched health insurance and didn’t realize that the pediatric cardiologist my son was seeing since he was born was no longer covered with our plan. We had changed plans because we though the premium was  better for our family, but didn’t realize that the company we had gone with didn’t include any local pediatric cardiologist. This move ended up  costing us thousands of dollars in medical bills. It was a very frustrating situation, one that could have been easily fixed had we just looked up what doctors were in network before we signed up. Thankfully it was one of our son’s more “inexpensive” doctor visits, but one that taught us to always check our insurance before a doctor visit.

Getting sick is not the most pleasant thing. However, there’s nothing worse than getting sick,ending up at the hospital and then having surprise costs you weren’t financially ready for.UnitedHealthcare wants to help you learn how to avoid surprise medical costs with some easy tips and in the process help you win some great prizes.

1.Stay in network when getting treatment or going to see a doctor. You could end up paying 5 times as much for a surgery done by an out of network doctor as you would if you just did a little research and made sure your doctor was in your health plan’s network
2. There’s a cost estimator tool on that you can use if you’re a member that provides you with cost estimates for certain procedures. it does the following:

   a. Get personalized estimates and save on a variety of services.
   b. See approximate total costs, out-of-pocket costs and how they compare to the average in your area.
   c. Find side-by-side quality of care comparisons for network physicians to help choose the best provider for you.

3. Sometimes you may need to see a specialist for a certain reason or condition. The important thing is to check whether or not your plan requires referrals for those types of visits. Your Primary Care Provider tracks your health care and status, so they can help prevent small problems from getting bigger, and thus can refer you to a specialist. Make sure you get a referral if your plan requires it…otherwise visiting a specialist can set you back thousands of dollars.
These are just a few tips to help give you some peace of mind when dealing with illness or medical issues. Now for the fun (and best part). Like in months past, UnitedHealthcare has put together some fun activities over at their website to help you understand how to make your insurance work for you. They’ve got 3 great ways to help you learn and in the process help you win big!
The three engagements are as follows:
1. Cost 1 2 3: A simple, 3 question multiple choice (or true/false) quiz about how to manage health care costs.
2. Look and Learn: A short video about how to avoid cost surprises after enrolling in a health care plan. After watching it, you must answer one question that pertains to the video.
3. Perfect Match: A memory/concentration game with generic health care terms that will help you understand the basic cost terminology that you may come across in your health care plan.
Each engagement has its own sweepstakes with the following prizes:
• One $100 weekly winner
• One $500 monthly winner
Because I want you to get the most of your healthcare and make sure you check these fun engagements out I’m also offering a fun giveaway here on my page.  Meaning there are 3 Separate ways to win!!!!
williams sonoma giveaway
One lucky winner will have the chance to win a $100 Williams-Sonoma gift card to use at this fun store! So head below and get started! This giveaway is open to US only and ends 3/31 at 11:59pmEST. Must be 18yo to enter! Good luck!

Disclosure: All opinions are 100% mine. This giveaway is in no way associated with, sponsored, administered, or endorsed by Facebook, Twitter, Google, Pinterest or any other social media network.All opinions and experiences are Conservamom‘s. Open to US residents only , must be 18+. Confirmed Winner(s) will be contacted through email and have 48 hours to respond before a new winner will be drawn. No purchase necessary. Void where prohibited by law. The sponsor will be responsible for product fulfillment to winner(s) of the giveaway. The disclosure is done in accordance with the Federal Trade Commission 10 CFR, Part 255 Guides Concerning the use of Endorsements and Testimonials in Advertising. For questions or to see your product featured in an Event you can contact Elia At Conservamom



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  • Reply Jessica Lodge

    I learned about coinsurance. I had never heard that term before.

    March 29, 2017 at 1:53 pm
  • Reply Gina Johnson

    Thanks for the information,very interesting.

    March 28, 2017 at 5:27 pm
  • Reply Sarah L

    I learned how important it is to get referrals.
    Thanks for the contest.

    March 26, 2017 at 2:08 am
  • Reply Amy B

    Thank you for the tips!

    March 24, 2017 at 8:58 am
  • Reply Amy B

    Thanks for the tips!

    March 24, 2017 at 8:56 am
  • Reply Amy Tolley

    Yes I was aware of some of these tips..

    March 16, 2017 at 1:01 pm
  • Reply Jill Hanson

    I was aware of these tips a d use them.

    March 16, 2017 at 10:01 am
  • Reply Lisa Coomer Queen

    No, I have UHC so I am familiar with their policies. Thanks!

    March 15, 2017 at 8:14 pm
  • Reply Debbie Clauer

    No, those tips are for other insurance also.

    March 13, 2017 at 9:25 am
  • Reply Lynne B

    I’ve taken UHC quizzes before so I was aware of most of the tips.

    March 11, 2017 at 3:13 pm
  • Reply Lisa Garland

    I learned I should try to stay in network when seeing doctor.

    March 10, 2017 at 7:37 am
  • Reply Ashley Chassereau Parks

    One thing you learn about from the video and quizzes is that you will pay more if you go to a doctor outside of your network.

    March 7, 2017 at 7:37 pm
  • Reply Amber Ludwig

    I learned about a Flexible Spending Account and it sounds like a great way to have money available for health expenses pre-tax!

    March 7, 2017 at 10:17 am
  • Reply Tracey A

    Be sure to know your healthcare and what it can do for you!

    March 7, 2017 at 9:11 am
  • Reply Stephanie H.

    I learned that you should check to see if a health care provider is in your plan network before visiting them, to get the most from your insurance plan.

    March 7, 2017 at 8:57 am
  • Reply Mia

    I learned that doctors have a fee schedule for various services.

    March 6, 2017 at 3:55 pm
  • Reply Deborah D

    Getting estimates will save you money on a variety of services is what I learned.

    March 6, 2017 at 1:36 pm
  • Reply Natalie

    I learned that coinsurance is a fixed amount you pain for healthcare.

    March 6, 2017 at 1:22 pm
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