With most plans, your out-of-pocket costs to see a network doctor for urgent care would cost less than an emergency room visit.
That’s just one of the ways insurance plans are often designed. Here’s another using Jennifer as our example.
Jennifer has bad stomach pains and a fever, so she calls her doctor. Under her plan, she pays a $15 copay to see a doctor in her network. In most cases, her insurance covers the rest of the costs for her doctor’s visit.
Uh-oh. Jennifer needs surgery. That means costs for the hospital, the surgeon, the anesthesiologist, lab tests and more. The good news is that the surgery is covered by her insurance plan, and the doctor’s preferred hospital is in her plan’s network. This means she will only pay for part of the cost of the surgery.
Let’s look at what Jennifer pays and what her insurance pays if her surgery costs are $55,000.
The plan information and amounts on this website are for informational purposes only.