1. Use in-network care providers. 
2. Research service costs online.
3. Ask for the cost of the procedure/service.
4. Ask about options.
5. Ask for a discount before securing services.
6. Seek out a local healthcare advocate.  
7. Pay in cash.

full list via investopedia

• Make your health plan pay its share.
• Check out government programs.
• Negotiate with your providers.
• Consider prompt payment discounts carefully .

via usnews

1. Shop for the best health plan.
2. Consider a high deductible (HD) plan — I think HD works well for some people, especially in combination with a health savings account (HSA). However, I don’t think it’s a good fit for parents-to-be, new parents, and people who need a lot of medical attention.
3. Take advantage of perks offered by your health plan.
4. Bring a list of covered prescription medications (”formulary”) to the doctor.
5. Be willing to ask your doctor about the cost and seek less expensive alternatives.
6. Stay up-to-date with routine and well-child checkups.
7. Stay in-network.
8. Slice your pills into two halves — Teri said that it might be possible to slice high-dose prescription pills to save money. Be sure to clear this with your doctor.
9. Look for special services — this is the same thing with #3?
10. Wear helmet and protective gears.

full list via moolanomy

1 Question your statements.

2 Anticipate out-of-pocket costs.

3 Know the alternatives.

via findarticles

1. Ask your doctor to be your ally
2. Compare costs by using the CPT code
3. Find friends in the billing department
4. Negotiate lower prices, payment arrangements
5. Ask if recommended services are necessary
6. Explore state-sponsored hospital Web sites
7. Check your insurance company's Web site, too
8. Ask for the Medicare rates
9. Go generic
10. Sweat the small stuff

via bankrate

1. Write down a list of questions or concerns.

    

2. Try bringing a friend, significant other, or caregiver with you.

    

3. Be 100% honest.

via thebody

• generic brands
• Patient’s Advocate office
• unemployment benefits on Department of Human Services.

via lifespy