Sometimes, people get care from a health care provider such as a doctor, anesthesiologist, or radiologist, who is not in their health insurance plan’s network even though the care they received was at an in-network facility. This can happen if you have surgery at an in-network facility and it turns out that someone on the surgical team, like the anesthesiologist or surgical assistant, is not. It can also happen if you go to an emergency room that is in your network and the doctor who takes care of you does not accept your insurance. After the services are received, you might get a bill in the mail saying you owe the out-of-network provider money. This is called a “balance bill”.
Do you have any questions or issues with your current health care coverage?
CCHI has created a series of informative videos to provide consumers with the best contacts and resources to help them resolve their issue. You can watch the videos below or view/download our one page overview.
In Colorado, hospitals are required to offer financial assistance programs for qualifying people. Every hospital is supposed to have an established discount program for uninsured patients that earn less than 250% of the Federal Poverty Level (click here to see if your income qualifies). If you qualify, you shouldn’t have to pay more than the lowest negotiated rate paid by an insurance company. This is a minimum standard, though, and some hospitals have financial assistance programs that provide more generous relief for more people. So be sure to ask about your financial assistance options.
Are you uninsured, looking for health coverage and wondering about your options? There are many programs that can help you with health care costs. Find the programs that best meet your needs.
This guide will help you understand your options for getting health insurance for you and your family in Colorado, either through a job or on your own.