Chicago's Gold Cost . Chicago Lakeview . Oak Park | Illinois
use your health insurance to pay for services
IS INTOUCH IN-NETOWRK WITH YOUR HEALTH INSURANCE CARRIER?
All Clinicians are In-Network with Aetna, Meritain, BlueCross BlueShield of Illinois, Cigna, United Health Care PPO, and Optum. All other health insurance carriers are billed out-of-network. Clients are responsible for all deductibles and out-of-pocket costs.
WHAT TO DO IF YOUR HEALTH INSURANCE HAS NOT CONTRACTED WITH INTOUCH
If your health insurance carrier has not contracted with us, you should consult your plan documents or call your carrier directly to ask them if you have out-of-network benefits, if yes you should ask what your benefits are. In many cases, health insurance plans that have out-of-network benefits will often require you to pay higher out-of-pocket costs than you would with an in-network provider.
Additionally, when your insurance company has not contracted (negotiated a rate) with a healthcare provider, providers will expect you to pay their published fees for the service you receive, therefore, you need to know your provider's out-of-network fees. Do not be caught by surprise, know your benefits, and contract with your out-of-network provider upfront, before you receive services to minimize your out-of-pocket expense.
HOW MUCH CAN YOU EXPECT TO PAY FOR SERVICES YOU RECEIVE FROM AN IN-NETWORK PROVIDER
The amount you will have to pay for services you receive from an in-network provider will vary depending on your plan. Some plans require you to pay a deductible before your insurance carrier will begin to contribute toward the cost of your services. Other plans are written so that you will only have to pay a co-pay or co-insurance regardless of whether or not you have met your deductible. Some will require you to pay a co-insurance until you reach the maximum out-of-pocket costs that your plan will expect you to pay.