Payment FAQ

Do we accept cash payments?

We accept cash payment.  Your cost is based on a formula which we will review with you at the time of service.  Our contracted insurance rates are a significant savings from emergency rooms and our cash pay rates offer similar savings.  Please call us and we can discuss your specific questions.

What is a deductible?

A deductible is the amount of money you must pay towards your medical expenses before your insurance kicks in.  This means you are responsible for your complete bill until you have paid as much as your deductible.  For example, if your deductible is $2000 you will be responsible for this much money out of pocket before your insurance starts to cover your bills.

What is coinsurance?

Coinsurance is your share of your medical bills which usually does not kick in until after your deductible is met.  Once you have met your deductible you may be required to pay coinsurance which is often a percentage of each bill.  This is tricky because every insurance plan is different and within each plan you may be responsible for a different coinsurance percentage depending on the type of service.

What is a co-pay?

A co-pay is a set amount you pay at the time of a particular service usually when that service is received.  The amount varies depending on your insurance and the type of service you are receiving.  Typically and urgent care copay is much lower than an ER copay and your pharmacy benefit will often have tiered levels of medication copays.

Will I have more than one bill?

We strive to keep our bills simple.  You will receive one bill from us unless you have a radiology study completed and then you will receive a bill for the radiologist read.  Our board-certified radiologists are in-network and are worth every penny of their expert read.

Are our physicians in network?

What is the difference between in-network and out-of-network?

There are many different kinds of healthcare plans administered by many companies making it difficult to provide detailed information, but we are always happy to answer questions by phone.

In general, if you visit an in-network provider your costs may be lower.  This is because a contract implies that your insurance company and physician have contracted rates that are lower than out-of-network costs.  Meaning, if you have a coinsurance percentage that you pay, a lower bill means your percentage will be lower.  In some plans going out of network means that you are responsible for the entire bill and in others you may be responsible for a portion of the bill.  Our goal is to develop contracts with every major insurance plan.  Please call us to determine of your insurance company has contracted with us yet.

How do we determine your payment?

If your insurance company has contracted with us, we work on a tiered system comparable to how an emergency department bills: level 1-5.  Level 1 is the most basic care and level 5 is the sickest of patients with life-threatening emergencies often requiring intervention and admission to the hospital. Levels 2-4 gradually increase in severity each requiring a higher payment.  Our level one and two costs are similar to urgent care fees.  Our level three through five acuity is similar to ER patients and these costs are typically less than 30% of ER costs for similar care.

We’re continually adding new insurers, for specific insurers we work with now, please call us at (719) 522-2727.

CALL WITH CHEST PAIN QUESTIONS

(719) 522-2727

Our staff is ready for you Sunday-Thursday from 10:00 A.M. – 10:00 P.M. and Friday and Saturday 11:00 A.M.- 11:00 P.M.

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