No Need to Be In the Dark!

Here's an easy overview of what you need to know about how patients are charged by diagnostic imaging providers and insurance companies.

If You Have a High Deductible

You and your employer may have chosen a higher deductible to offset increased premiums. This means you are responsible for more up-front cost. It's important to understand the difference between list price and "allowable" or "patient responsibility" price.

The list price is the amount your insurance company is billed by the service provider. However, this is not what they actually pay, and therefore it is not what you will pay. For example, if you were to have an MRI for which the insurance company is billed a list price of $2,000 by the service provider, the actual amount that the insurance company will reimburse the service provider is generally far less. That's good news for you, and here's why. Let's say the contracted rate (an agreed upon rate for services between insurance company and service provider) is $500. If you have not met your deductible, this is the amount that you are responsible for – not $2,000!

Here's What You Need to Know

Different service providers have different contracted rates. You can save yourself a lot of money by researching to find out which service provider has the lowest cost. Once you have this information, you can make an informed decision.

It is Important to Know Two Things

First, the amount you pay will apply towards your deductible as long as your insurance company approves the service. So, make sure your procedure is approved, know what your deductible amount is, and where you stand in regards to meeting it. And second, quality is not always the same, so be sure to research the service provider.

NOTE: While most medical providers offer reduced "cash pay" rates, quality is not always the same and the amount you pay will not apply towards your deductible. Be sure to do your research to find the best service provider with the best rates.

Remember, you have the right to choose where you go for your medical imaging. Choose Drs. Hill & Thomas Co.
for state-of-the-art imaging services at very reasonable rates. Call us now at 216.595.6856.

If You Have No Insurance

In order to serve the growing population of people who do not have health insurance, Drs. Hill & Thomas Co. provides reduced "cash pay" rates. The way this works is simple.

We provide you with an affordable alternative for the exact same care you would receive if you had insurance. Simply call one of our locations and ask for "cash pay" rates. Generally, you will find these rates are far less than the list prices found online. Everyone is eligible for them as long as you have a written order from your physician and the amount is paid in full at time of service with cash, check or credit card.

NOTE: While many medical providers offer reduced "cash pay" rates, quality is not always the same. Be sure to do your research to find the best service provider with the best rates.

Choose Drs. Hill & Thomas Co. for state-of-the-art imaging services at very reasonable rates.

Call us now at 216.595.6856.

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