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Insurance & Patient Responsibility

  • Co-pay

    A copayment or co-pay is a set out of pocket expense that you-as an insured person- pays each time services are rendered. The same copay amount is due at the time of service. The specified copayment amount varies depending on your insurance plan and type of service received. Co-pay amounts are typically found on your insurance card or can be verified with your insurance company.

    Why do I have a co-payment?

    The required co-payment amount due by the patient is based on the contract you have with your insurance company, chosen by you or your employer.

    Co-insurance

    Co-insurance is the amount you pay in percentages towards your covered insurance cost. A co-insurance plan is selected when you sign up for your healthcare coverage. You, as a patient, will be responsible for a set percentage of your covered charge, and your health insurance pays the remaining percentage. This is often expressed as 80/20-where you owe the 20% and your plan pays the 80%.

    Deductible

    A deductible is a specific dollar amount set by your insurance company that must be paid out of pocket prior to the insurance covering your remaining charges. Before a deductible is met, or paid in full, you are responsible for the total allowed amount of your health claims. Deductible amounts are specified in your insurance policy, and should be noted when signing up for an insurance plan.

    As a courtesy, each center's patient service specialist will verify insurance coverage for all of our patients. We will also bill your insurance company on your behalf and only collect the amount deemed your responsibility by your insurance plan. This will include payment for any co-payment at the time of service and for any deductible/coinsurance or non-covered services determined by your contract with the insurance company.