Primer on Insurances
Insurances are generally categorized as "in-network" or "out-of-network". "In-network" may be referred to as "on my insurance", and "out-of-network", one erroneously thinks the medical care will not be covered by the insurance.
In-Network means that the doctor has signed a contract with the insurance company, and the insurance company dictates the reimbursement. The insurance company sets the prices for all services, and sets the conditions under which the services will be paid. The doctor has no control over this. In addition, each Insurance company is different, and within an insurance company, each plan may be different. Therefore, it is ultimately the patient's responsibility to know the insurance they have purchased because we cannot know every insurance in detail. We do make an effort to check everyone's benefit. However the insurance company may give us misinformation, or no information.
In-Network means that the doctor has signed a contract with the insurance company, and the insurance company dictates the reimbursement. The insurance company sets the prices for all services, and sets the conditions under which the services will be paid. The doctor has no control over this. In addition, each Insurance company is different, and within an insurance company, each plan may be different. Therefore, it is ultimately the patient's responsibility to know the insurance they have purchased because we cannot know every insurance in detail. We do make an effort to check everyone's benefit. However the insurance company may give us misinformation, or no information.
IN-NETWORK |
OUT-OF-NETWORK (not "in -network list") |
MISCELLANEOUS PLANSAHCCCS plans are not accepted by our office. Please refer to your plan administrator for a list of in-network providers.
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Most all insurance plans have out-of-network benefits. Therefore, for Dr. Thull's services part or all may be covered. Generally, if your deductible has not been met, the credit will be placed towards your deductible.
We extend DISCOUNTED rates for Dr. Thull's services. Other services such as radiology facilities, surgery centers, etc are likely in-network with your insurance. CASH-UNINSUREDWe probably offer the lowest prices for the uninsured. We will help negotiate the best prices for you with other facilities such as radiology, surgery centers, and anesthesiology if needed.
Payment is due at time of service. We do not have payment plans, but we do accept cash and credit cards. LEGAL LIENS - ATTORNEYPlease contact our office for further information.
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