Payment Frequently Asked Questions
VitalPoint ER Specialists bill 70% LESS than a typical emergency room visit.
We’re here to help you understand your medical costs and keep them down.
Do you accept cash payments?
Yes, we do accept cash payment. Your cost is based on a formula which we will review with you at the time of service. Our contracted insurance rates are a significant savings from emergency rooms and our cash pay rates offer similar savings. Please call us and we can discuss your specific questions.
What is a deductible?
A deductible is the amount of money you must pay toward your medical expenses before your insurance kicks in. This means you are responsible for your complete bill until you have paid as much as your deductible. For example, if your deductible is $2000, you will be responsible for this much money out of pocket before your insurance starts to cover your bills.
What is coinsurance?
Coinsurance is your share of your medical bills. It usually does not kick in until after your deductible is met. Once you have met your deductible, you may be required to pay coinsurance—usually a percentage of each bill. This is tricky because every insurance plan is different and within each plan you may be responsible for a different coinsurance percentage depending on the type of service.
What is a co-pay?
A co-pay is a set amount you pay at the time of a particular service, usually when that service is received. The amount varies depending on your insurance and the type of service you are receiving. An urgent care co-pay is typically much lower than an ER co-pay and your pharmacy benefit will often have tiered levels of medication co-pays.
Will I have more than one bill?
We strive to keep our bills simple. You will receive one bill from us unless you have a radiology study completed, and then you will receive a bill for the radiologist read. Our board certified radiologists are in-network and are worth every penny of their expert read.
Are our physicians In-Network?
What is the difference between in-network and out-of-network?
There are many different kinds of health care plans administered by many companies making it difficult to provide detailed information, but we are always happy to answer questions by phone.
In general, if you visit an in-network provider your costs may be lower. This is because your insurance company and physician have contracted rates that are lower than rates from a physician who has not formed a contract (these physicans are therefore “out-of-network”). That means that if you must pay coinsurance, your lower, in-network bill translates to a lower coinsurance percentage. In some plans going out of network means that you are responsible for the entire bill and in others you may be responsible for a higher portion of the bill.
Our goal is to develop contracts with every major insurance plan. Please call us to determine of your insurance company has contracted with us yet.
How do we determine your payment?
If your insurance company has contracted with us, we work on a tiered system comparable to how an emergency department bills: level 1-5. Level 1 is the most basic care and level 5 is the sickest of patients with life-threatening emergencies often requiring intervention and admission to the hospital. Levels 2-4 gradually increase in severity, each requiring a higher payment. Our level one and two costs are similar to urgent care fees. Our level three through five acuity is similar to ER patients and these costs are typically less than 30% of ER costs for similar care.
Pay Your Bill
Making your payment is easy through our online bill-pay service. Questions about your bill? Please call.