Pricing and Insurance
Health care is unique in our lives in that in other areas like buying groceries or hiring a plumber, we usually don't have a third party step in and control our purchase and payment decisions. In the United States, having medical insurance has become part of our culture to the point that many individuals, including those who work in health care, assume that is the only way to pay for health care services. A number of companies have started to work outside of the traditional insurance limitation (see article here) and doctor's practices and clinics are looking at ways as well to escape the interference of insurance companies (see here for a physician lead organization supporting this approach).
What that means for you is that you do have choices. If you want to pay with cash, the process can be as easy as purchasing any other professional consulting service. If you are fortunate to be employed by a company that is self-covered for health care costs, you have the opportunity to negotiate with your own company for coverage options.
If you have purchased a private insurance plan, you are pretty much bound to the contract that you signed. It is likely that you have one or more deductibles and either a copay or coinsurance. Most plans do not cover services such as acupuncture or other types of complimentary care. The insurance company typically has a group of physicians which which they've contracted a specific rate
At White Phoenix Medical, we are happy to help you better understand the options for how to pay for your health care services and, if you have health care insurance, to work with you to understand what level of financial assistance your plan provides. We hope the additional information below is helpful. Feel free to contact us with any questions.
White Phoenix Medical Staff
Fee Schedule and Discounts
When making an appointment online, the scheduled time may be longer than the visit time your request. This allows a buffer of time between visits to clean the room, get paper work in order, and documentation. You will only be charged for the time you request.
It is important to remember that you are responsible for the full price of your bill until you reach your deductible limit. Many plans have separate deductible levels or in-network vs. out-of-network expenses. An example of how a co-insurance split of 40%/60% is shown below but this would but co-insurance may not be active until you exceed your deductible limit for the year. As always, refer to your specific contract and plan information for your particular situation.
Out of network pricing examples
- No copay with 40% out of network coverage