1. Use FHCP Pharmacies to fill your prescriptions
FHCP pharmacists are experts in helping you find the most cost-effective
medications to meet your medical needs with no difference in medical outcome.
FHCP pharmacy costs can be significantly less expensive, and our pharmacists
can help you identify alternative sources for covering your expense related
to very expensive specialty drugs.
Also, you can obtain 90-day prescriptions for routine medications from
a FHCP pharmacy or FHCP’s mail order pharmacy with lower copays.
2. Use In-Network Providers
FHCP works hard to make sure that we offer high quality, cost effective,
and accessible networks of providers to serve our members. By using our
core HMO network, you can be sure that you are maximizing your FHCP plan
benefits for the lowest out of pocket costs. FHCP network providers have
been trained in FHCP processes and know how to work with FHCP to make
sure you are getting the covered services/supplies you need. Using out
of network doctors or facilities for routine care almost always means
that you’ll have to pay higher prices or that your claim may not
be covered at all. Also, out of network providers are not familiar with
FHCP’s extensive programs designed to support you and your family’s
health care needs.
You can get the most current information regarding your FHCP network through
the FHCP Member Portal or online at
3. Avoid the Emergency Room
Unless you have an actual life-threatening emergency, stay away from the
emergency room. Visiting a FHCP Extended Hours Care Center, participating
provider doctor’s office or urgent care clinic always costs you
much less time and money.
Information about FHCP Network Extended Hour Care Centers, Urgent care,
and doctors can be found on FHCP’s website
Shop Around for Care
For elective procedures, the amount you pay for services under your FHCP
benefit plan can be much higher at certain provider types than others.
For example, your out of pocket cost for imaging services provided at
a FHCP Clinic, network doctor’s office, or network imaging center,
is usually much less than for the same service provided at a hospital,
or hospital affiliated outpatient surgery center, or doctor’s office.
Choose carefully using FHCP’s Member Portal or online network directory.
We let you know which surgery centers, imaging centers and doctor’s
offices are owned by hospitals.
FHCP also offers all members the services of our Coinsurance/Cost Estimation
Center (CEC). The FHCP CEC is available to supply you with estimates of
your out of pocket cost when accessing various FHCP Network or non-participating
providers. You can reach them through the Member Portal or by calling
386-615-5068 or 1-800-352-9824, ext. 5068.
5. Try Telemedicine
FHCP offers telemedicine services to all our members. You can consult with
a medical doctor face-to-face online for minor ailments, for a very low
or no cost based on your FHCP benefit plan. FHCP also has an arrangement
for members to be treated online by psychiatrists and psychologists for
behavioral health needs. You can even schedule an appointment with a specific
medical or behavioral health provider who is familiar with you and your
needs. This service is available to you nation-wide and you will be connected
with a physician licensed in the State from which you are accessing this
service. Best of all, you don’t have to leave the house when you’re
under the weather.
6. Check Your Bill for Errors
Before paying any bill from a provider, you should make sure that FHCP
has been billed first. When FHCP pays a medical claim, we will send you
(depending on your preference) a paper or electronic “Explanation
of Benefits” (EOB) that will provide details about your bill, summarize
what we have paid on your behalf, and what you owe to the provider. Protect
yourself from overpaying your portion of health costs by carefully reviewing
every FHCP EOB that you receive. Electronic versions of all of your FHCP
EOBs are available in the FHCP Member Portal, even if you already received
a paper EOB.
If you have a question about your EOB, FHCP’s Claims Customer Service
Department is happy to review it with you and we will dispute on your
behalf with a provider any potential errors. If anything looks off, or
you don’t understand a charge, contact Claims Customer Service at
386-615-5010 or 1-800-352-9824, ext. 5010.
7. Take Advantage of FHCP Wellness Programs
FHCP offers a wide variety of Wellness Programs to our members. Some are
offered through employers — such as biometric screenings, health
assessments and physical activity programs. All members can access a wide
variety of classes and programs to improve your health. To learn about
these programs, please look on FHCP’s website
FHCP offers an extensive network of fitness centers throughout our service
area. If you have a plan that covers access to our gym network, you can
improve your health by accessing these facilities for free. You can go
to any participating facility as many times as you want. You can use one
facility in the morning, and a different one at night. In addition to
causing poor health, living an inactive lifestyle can have a dramatic
impact on your medical bills.
9. Ask FHCP for Help
There can be many reasons why patients need medical care. Some reasons
are easily identified, while other reasons may not be so obvious to your
doctor. Improper nutrition, poor housing conditions, lack of family support
and transportation needs can all affect how you get and stay well. FHCP’s
Care Management and Member Services teams work with you and your doctors
to help you find answers to problems that interfere with your health.
While not all needed services are actually covered by your FHCP benefit
plan, team members are experts in helping you access covered services
and putting you in touch with agencies that can help with other needs.
10. Connect with us Electronically
FHCP’s Member Portal has recently been updated to be more User friendly.
You can check on the payment status of a claim or pre-authorization request,
download copies of EOB’s, view your benefit documents, communicate
with various FHCP departments and other activities. It is easy to sign
up for the FHCP Member portal and enjoy 24/7 access to FHCP. To access
the Member Portal, go to
www.fhcp.com. The Member Portal link is at the left top corner of the FHCP website’s