Understanding health insurance coverage

We’ve partnered with the leading insurance companies including Medicare, Medicaid and Tricare to ensure that your care is covered under your current plan. Look for more insurance companies to be added as we grow.

How much does this cost?

The total cost of care for a DispatchHealth visit:
$150 - $300

Your bill may show charges that are much higher than these numbers. Medical charges are different than what is allowed by your insurance company. DispatchHealth will not "balance bill" you for the difference between what is allowed by your insurance and the charges shown on your bill.

The cost of care is determined by the complexity of care provided, any procedures performed, and supplies required. The percentage of the total bill you’re responsible for is determined by your insurance plan. For example, high deductible plans require you to pay for the majority of the cost of medical care yourself until your deductible is met. Other plans such as HMO and PPO plans may only require you to pay a deductible or, in some instances, you may be required to pay the deductible plus a portion of the allowed amount. In any case, your required payment will never be more than what is allowed by your insurance company.

Before Jane reaches her deductible

Jane's in good health.

Her plan doesn't pay any costs until she reaches her deductible.

office visit cost = $150
Jane pays = $150
plan pays = $0
After Jane reaches her deductible

Jane has seen a doctor several times this year and her total costs have exceeded $1500.

Her plan pays a percentage of covered health care services until her out-of-pocket limit.

office visit cost = $150
Jane pays 20% = $30
plan pays 80% = $120
After Jane reaches her out-of-pocket limit

Jane has seen a doctor often and her total costs have exceeded $5000.

Her plan pays full cost of covered health care services for the rest of the year.

office visit cost = $150
Jane pays 0% = $0
plan pays 100% = $150
 

Our Billing Process

After your visit with DispatchHealth, you can expect to receive some follow-up paperwork through the mail:

1
Explanation of Benefits (EOB)

Typically, you should receive an Explanation of Benefits (EOB) from your insurance company 30-45 days after your visit. This will explain what they covered based on the services rendered at the time of the visit.

2
Your Services Bill
 

You may then receive a bill from DispatchHealth. The amount is based on your insurance plan / deductible and is determined by your insurance company. Bills are submitted to your insurance company using our 3rd party billing company. Your bill is based on the level of care provided.

If you do recieve a bill, you will be given an option to pay online or mail a check to a listed address.

3
Your Services Bill Second Attempt

If you have an unpaid balance due 35 days after your bill arrives, we’ll send you a friendly reminder of the remaining cost responsible by you.

 

For billing questions, contact us directly at 303-500-1518, and select 3 for the billing department.

Common health insurance terms

 

Network Providers

A network provider is a doctor, healthcare professional, or facility that has a contract with an insurance company to avoid paying higher out-of-pocket costs. We may be a network provider to your insurance company.

 

In-Network Status

Please contact your insurance carrier to check for in-network status. Since we are a newer service, your carrier may have trouble finding us when they search for ER, urgent care, or PCP services. As an on-demand house call service we are considered in-network. We promise you’ll never receive a large "out of network" bill from us.

 

Uninsured

If you are not insured within the state of Colorado by one of the listed payers or by a government payer we require payment of our flat fee of $225.



 

Savings Account

We accept health savings account (HSA) or flexible spending account (FSA) cards as a form of payment, and we are also proud Medicare, Medicaid, and Tricare providers.

 

Deductible

The amount you owe for covered services, per policy period, before your health plan begins to pay.


 
Co-Payment or "Co-Pay"

A fixed amount you pay for a covered health care service, usually when you receive the service. Your co-payment is counted towards the total cost of care.

 

There are no co-payments for DispatchHealth services at this time.

 

 

Out-of-Pocket Limit

The most amount of money you will pay during a policy period before your health plan begins to pay 100% of the allowed amount.

 
 

Get the Dispatch Health App

Download the free DispatchHealth app and have our medical team treat you wherever you are in need.