10 Ways to Save

Use In-Network Providers

The insurance companies have negotiated contracts with providers, facilities, and hospitals to reduce team members’ out-of-pocket costs.

Take advantage of preventive services covered at 100 percent. Well visits can detect medical conditions in the early stages rather than waiting until the condition requires more invasive care.

Are You Using the Right Location for Care?

Team Members and their families should consider the most appropriate site of care to treat non-life-threatening conditions. Consider seeking care through an urgent care center, convenience care clinic, or via telehealth when your primary care physician (PCP) is not available. By using urgent care or telehealth, team members will reduce their out-of-pocket costs compared to ER visits.

Telehealth Services

Seek care whenever you need it by downloading the carrier app to access telehealth. Telehealth providers can help with a variety of conditions including cough, fever, pinkeye, sinus infections or sore throats. Team members enrolled in a OneMain medical plan can use telehealth services 24/7. Telehealth visits have lower out of pockets costs compared to an urgent care center or ER.

Compare Costs

Utilize your insurance carrier’s cost estimators to understand the average cost for services in your area. For example, if you need a test, you can compare the cost between facilities and see the difference between a hospital setting vs. a free-standing outpatient facility.

Use Generic Medications

Generic medications offer the same dosage, safety, effectiveness, and quality of brand name medications, but at a lower cost. Ask your provider if a generic medication is available.

Mail Order

For maintenance medications, ask your doctor for a 90-day supply script to lower your out-of-pocket costs. ESI members can also save by utilizing the Smart90 Walgreens program where you can receive your 90-day maintenance medication at the same copay as Express Scripts.

Scripta Rx Insights

Leverage the power of Scripta Insights to learn more about your prescriptions, compare different formularies and identify cost saving opportunities. Scripta will provide you with a Personalized Savings Report, listing your current medications with lower-priced alternatives you can discuss with your doctor.

ESI Specialty Rx Copay Program

If you are taking a specialty medication, you may be eligible for copay assistance via the manufacturer copay programs. Please contact RxSolutions at 888-201-9175 if you have any questions.

Take Advantage of Preventive Services Covered at 100%

If you are enrolled in OneMain’s dental and/or vision plans and you visit out-of-network providers, your out-of-pocket costs may be higher. When possible, locate an in-network provider using the carrier search tools. The MetLife Preventive and Enhanced dental plans leverage the 'PDP Plus' network, and the EyeMed vision plan utilizes the 'Insight' network. Find a dentist or eye doctor near you.

Make the Most of Your Money

Consider enrolling and contributing to a savings account to utilize pre-tax dollars to pay for eligible healthcare expenses including over-the-counter medications. OneMain offers team members three types of Flexible Spending Account (FSA) plans in addition to a Health Savings Account (HSA).

Eligibility varies for the FSA plans, but you can only open an HSA with a qualifying Consumer Directed Health Plan (CDHP). If you are eligible for the HSA, you can choose to save your contributions for future expenses, but FSA funds must be used within the plan year.

OneMain Is Invested in Your Future. You Should Be, Too.

You can enroll in the 401k after receiving your first paycheck. After six months of service, OneMain offers a company match dollar for dollar, up to a maximum of 4% of eligible earnings to all contributing participants with immediate investing.

Additionally, OneMain provides team members with an opportunity to participate in the Employee Stock Purchase Plan (ESPP) that allows employees to use after-tax payroll deductions to acquire shares company stock at a discounted price. Our plan allows participants to purchase shares of OneMain stock at a 10% discount.

A Tool to Help You with Life's Challenges

OneMain’s Employee Assistance Program (EAP) provider has a library of resources that covers a variety of topics, including financial wellbeing. Take advantage of articles on managing a budget, tax questions, and saving for college. Team members also have telephonic access to Certified Financial Planners and Certified Public Accountants to answer questions on topics like debt/money management, retirement programs, and budgeting.

A Tool to Help You with Life's Challenges

Team members have access to Care.com for back-up care support for child or elder care. Team members are eligible for up to 7 subsidized back-up care days at an in-network center or their own personal network. In addition to back-up care, Care.com provides team members with access to the LifeMart discount program.

Be Healthy. Be Rewarded.

Optum is a digital wellness platform where team members can earn points by participating in fun healthy activities. Start by registering here, complete a quick survey, and start receiving personalized recommendations to assist in your health journey. You can earn Rally points by completing different health activities that can be redeemed in a variety of sweepstakes for chances to win health-and technology-related prizes such as fitness trackers, gift cards, and more.

Track Spending, Negotiate Bills, Manage Subscriptions, and More

Manage your financial goals by enrolling in Trim by OneMain. Team members have free access to the platform for free. Trim will work with team members to track your spending, assist with bill negotiations, and cancel subscriptions you are no longer using.

Team members can sign-up or log into their Trim by OneMain account via OKTA or by going togo.asktrim.com and using their OneMain email address (@omf.com or @onemainfinancial.com)to sign in or create an account.

Save on Everyday Purchases with Company Discounts

OneMain provides team members access to over 30,000 opportunities for national and local discounts from a variety of categories including electronics, home appliances, food & groceries, car buying, travel, fitness, and more. Find more information on discounts for you and your family on perksatwork.com.