Overview of Treatment Expenses

At Empathy Care Wellness, transparency is a core value, especially when it comes to understanding the cost of your care. The actual cost of your visits can vary based on your individual insurance plan. While many of our patients pay $30 or less after insurance for their services, this is not guaranteed for every individual due to differences in insurance coverage.

Estimated Costs After Insurance: Most of our patients find that after their insurance contributions, their visits typically cost $30 or less. This includes various types of patient costs such as copayments, deductibles, coinsurance, and instances where no payment is required, excluding any no-show fees. Your specific costs may differ, influenced by factors such as whether your deductible has been met and the particulars of your insurance plan.

Billing Process: We handle billing by directly submitting claims to your insurance provider. The amount you owe will depend on the outcome of your insurer’s claim review, which considers the details of your coverage. Depending on your plan, this could range from a simple copay to a more substantial amount if your deductible is not yet met.

Insurance Terms Simplified

What is a Deductible? Your deductible is the amount you pay out-of-pocket each year before your insurance starts contributing to your medical expenses. This figure is set by your insurance provider and resets annually.

Example: If Jamie has a $500 deductible and the cost per visit is $250, Jamie pays the full amount for the first two visits. Once Jamie has paid $500, the deductible is met, and insurance coverage kicks in for subsequent visits.

Understanding Copays: A copay is a fixed fee that you pay for a medical service under your insurance plan, often specified on your insurance card.

Example: If your specialist visit copay is $30 and your deductible has been met, you will pay $30 for each visit to a specialist.

Explaining Coinsurance: After meeting your deductible, coinsurance is the percentage of the cost of a service that you pay, with the remainder covered by your insurer.

Example: With a 20% coinsurance, if the total cost of a service is $100, you would be responsible for $20, and your insurer would pay the remaining $80.

Billing Timeline and Procedure

1. Receive Service: You receive the required health care service from us.
2. Direct Billing: We bill your insurance provider directly.
3. Insurance Review: Your insurer evaluates the claim according to your plan.
4. Determine Costs: The insurer calculates your share of the cost.
5. Send Bill: Once we receive the necessary details from your insurer, we send you a bill for your portion. This process may take some time, which is why there might be a delay in receiving your billing statement.

We recognize that navigating health care costs can be complex. If you have any questions about your bill or need clarification on your insurance coverage, please don’t hesitate to reach out to our support team. At Empathy Care Wellness, we are dedicated to making your health care experience as clear and supportive as possible. Visit our website or contact us directly for further assistance.