Want to stop costly medical bills? Watch this. | Insurance 101 | Texas Department of Insurance


[heart beating] [heart beats faster] Do you suffer anxiety or a tightness in your chest when you receive medical bills? [heartbeat flatlines] Let’s look at a few ways to keep your health costs low and your blood pressure normal. You’re gonna be okay. Trust me, I’m a fake doctor. Hi. I fainted and I twisted my wrist I think I need to have someone look at it. Do you take my insurance? Yes, we accept all major insurance plans. You’re not asking the right questions. Some places may take your insurance but that doesn’t mean they’re in your network. If they aren’t, you could be on the hook for a big bill. The better question is, “Are you in my plan’s network?” So, are you in my plan’s network? Yes, we will bill your insurance. But are you in my plan’s network? Uh. I don’t know. Not a problem. You can find out by checking your health plan’s website. Or give them a call. The number’s right here on your card. You can keep your cost down by choosing the right level of care. Calling a nurse line or doing a virtual visit like a web chat or an on-demand app may not even have a copay. Retail clinics, like the kind you see in pharmacies or big-box stores, can be convenient, and they’re in network for most major plans. If you go to an urgent care clinic your copay will probably be higher. And costs are highest for an emergency room visit. So only go when you think it’s a true
emergency. No matter what level of care you choose remember to ask if they are in your network. I think it’s a sprain, but let’s get some x-rays just to be sure. I’m gonna send you to an imaging center. If you get a referral for a procedure or to see a specialist, you still need to make sure that that provider is in network. Don’t assume that someone making the referral will check that for you. And one more thing, even if the procedure is covered by your insurance you should still shop around and look for lower rates. All better?
Yeah? Good! Here’s my bill. [groans] Give us a call if you have any questions at
1-800-252-3439

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