Affordable Diagnostic Imaging
Affordable Diagnostic Imaging
As the costs of healthcare rise, Vancouver Radiologists is doing something to control the costs of diagnostic imaging. According to Washington Health Compare,
Vancouver Radiologists saves its patients 35%, on average,
compared to other diagnostic imaging providers in Clark County.
The more you know, the more you save
When your doctor orders a medical imaging scan
ask to have it done at Vancouver Radiologists.
You’ll breathe easier knowing you saved your hard earned money.
At Vancouver Radiologists, you’ll pay less, keeping more money in your pocket.
Medical bills are often unplanned.
Avoid surprises by calling Vancouver Radiologists for an estimate at (360) 254-4914. If you are uninsured, have a high deductible or simply don’t want to use your insurance, Vancouver Radiologists offers cost-saving solutions to ease your burden.
When it comes to lowering healthcare costs, you are your own best advocate. It pays to understand how your insurance plan works.
Here are some common insurance terms and what they mean:
A fixed cost you need to pay for certain medical services, usually at the same time of service. Office visits and prescription medicine often require copays.
Example: A visit to a family doctor may require a $25 copay, while an emergency room copay may be larger. Pharmacy prescriptions often have a copay. Some services require both a copay and coinsurance.
The medical expenses you pay after your insurance has paid its portion of the bill. Coinsurance begins after you meet your deductible, and is usually a percentage of the amount your insurance pays.
Example: You’ve reached your deductible for the year and have a bill. The cost is $1,000. If your coinsurance is 20 percent, that means you will be responsible for 20 percent, or $200.
The amount of money you pay out of pocket each year before your insurance will begin covering expenses. Deductibles usually start over at the beginning of each calendar year or fiscal year.
Example: If you have a $1,000 deductible, you pay the first $1,000 of your medical expenses. This is called meeting your deductible. After that, your insurance will pay some of the expense. You may still have to pay a portion through copays and coinsurance.
The maximum amount of money you will pay during a period of time for medical expenses, usually per year. Once you meet your out-of-pocket maximum, your insurance will pay 100 percent of all allowed charges.
Example: Your out-of-pocket maximum is $3,000, you have met your $1,000 deductible, and paid an additional $2,000 in copays and coinsurance. Your insurance will now pay 100 percent of future necessary and allowed charges until your policy renews the next year.
Allowable vs. billed charges
The allowable charge is the amount of compensation your insurance company and provider agree to for medical services. A bill is paid in full when the allowable charge is paid plus any copay or coinsurance. The allowed amount also determines how much you pay in coinsurance. The billed charge is usually higher than the allowed charge.
In-network vs. out-of-network providers
In network providers, also known as preferred providers, are clinics and physicians that agree to a fixed rate with your insurance company.
Out-of-network providers have not agreed to fixed rates, which allows them to be flexible with what they charge you. Call around and get estimates before choosing a provider. You may end up paying less.
Some medical procedures require your insurance company’s approval beforehand, called preauthorization. If preauthorization is required, but not received, your insurance may deny benefits. To be sure you’re covered, always contact your insurance before moving forward with treatment or a procedure.