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Common Questions and Answers

We try to address below some of the more common financial questions. If you need additional information, please  contact our Business Office at 580-889-3333.

What is a deductible?

A deductible is the amount of money you must pay before the insurance company begins covering part or all of your medical expenses.

What is co-insurance?

Co-insurance is a set percentage of the insured medical expenses that you may have to pay after you reach your deductible. Co-insurance can vary greatly among insurance plans, so check with your provider to find out how much co-insurance you may have to pay.

What is a co-payment?

A co-payment is a set payment made at the time a service is received. Co-payments can vary greatly among insurance plans, so check with your provider to find out how much you may have to pay. We ask that you pay your co-payment when you register.

What is an out-of-pocket maximum/limit?

An out-of-pocket maximum/limit is the most you have to pay for covered services in a plan year. After you spend this amount on deductibles and coinsurance, your health insurance typically pays 100% of the costs of covered benefits. Depending on your health insurance plan, you may still be responsible for co-pays.

What is does out-of-network mean?

An out-of-network provider is one which has not contracted with your insurance company for reimbursement at a negotiated rate. This means that as the patient, you would be responsible for the full amount charged by your provider.

Do you offer any discounts or payment options?

Yes, we offer several types of discounts and payment plan options. You can contact our Business Office staff at 580-889-3333 to discuss if you qualify for any discounts and/or payment plan options.

Is financial assistance available?

Financial assistance may be available for those who are experiencing financial hardship and do not qualify for other financial coverage (e.g., Medicaid). Please visit our financial assistance page for more information.

 

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