You may be considered underinsured if you have a:
- High deductible.
- High out-of-pocket maximum requirement.
- Limited benefit plan(s).
- Noncontracted insurance plan.
- Out-of-network insurance plan.
Noncontracted or out-of-network
If you have immediate questions about your health insurance benefits or what providers are considered in-network, please contact your health insurance carrier. Your member services phone number is usually found on the back of your insurance card.
When you have noncontracted or out-of-network insurance, many insurance companies do not agree to Mayo Clinic's rates. As a result, you will have a greater out-of-pocket expense. Insurance rates can differ from Mayo Clinic's rates, and you will be responsible for the difference.
Uninsured discount
Mayo Clinic's Uninsured Discount Policy will supplement the Mayo Clinic Charitable Care and Financial Assistance Policy, which provides financial assistance.
All Mayo Clinic sites will offer discounted prices to qualified uninsured patients for medically necessary care.
Eligibility is contingent upon patient cooperation with efforts to apply for available Medicaid, Medicare or other medical assistance programs.
The uninsured discount will apply to medically necessary inpatient and outpatient services for patients residing in the United States. The discount will not be offered to international patients or for cosmetic or elective procedures that are not medically necessary.
Financial assistance
If not already done, patients will be required to apply for their state medical assistance (Medicaid) plan prior to financial assistance.
Please know that the difference of these rates do not apply to your deductible or out-of-pocket maximum. Before your insurance pays, you will owe your coinsurance, copay and difference between the rates.
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