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Insurance & fees

A clearer conversation
about costs.

Before you arrange care, it helps to understand your plan, how a visit may be billed, and which questions to ask.

Using insurance

Start with
your plan.

Confirm the clinic’s network status with your insurer and ask how the planned visit is covered. A plan name alone does not explain every benefit or charge.

  • Is the provider in my plan’s network?
  • Does a deductible or copay apply?
  • Could other services be billed separately?

Paying directly

Ask about
the visit charge.

Discuss the expected visit fee before arranging care. If additional services are being considered, ask what they may cost and how they are billed.

  • What is included in the expected visit fee?
  • Are tests or other services separate?
  • What payment arrangements should I know about?

A few useful terms

Insurance,
in plain language.

Copayment
A fixed amount you pay for a covered service. The amount can differ by service and plan.HealthCare.gov ↗https://www.healthcare.gov/glossary/co-payment/
Deductible
The amount you pay toward covered services before your plan begins paying under its terms. Some services may be covered before it is met.HealthCare.gov ↗https://www.healthcare.gov/glossary/deductible/
Network
Your plan’s network is its group of contracted providers and facilities. Confirm the provider and service with your insurer.HealthCare.gov ↗https://www.healthcare.gov/glossary/network/

Your next step

Bring the
payment questions, too.

Knowing what to ask can make the practical side of a visit easier to understand.

Plan a visit