HealthLink Members
Although I am not a network provider for HealthLink, they DO have out of network benefits. See comparison table below.
| In Network | Out of Network |
| Negotiated reduce provider fee | Full fee |
| $15 copay | $15 copay |
| $200 annual deductible | $300 annual deductible |
| 10% coinsurance | 10% coinsurance |
| No lifetime maximum benefit | $1 million lifetime maximum benefit |
| 30 visits per plan year | 30 visits per plan year |
| Comparison:
For 30 visits with deductible NOT met, assuming a $100.50/discounted visit fee*: 2 visits - satisfies deductible = $200 28 visits x $15 copay = $420 28 visits x 10% coinsurance = $238 Total out of pocket cost = $858 Average cost per visit = $28.66 - in-network provider * assuming a reduced in-network rate - for example only |
For 30 visits with deductible NOT met,
assuming a $120/visit fee: 1.66 visits - satisfies deductible = $300 28.34 visits x $15 copay = $425.10 28.34 visits x 10% coinsurance + out of network fee ($9) = $297.57+ 255.06=$552.63 Total out of pocket cost = $1277.73 Average cost per visit = $42.60 - out of network provider |