Dealing with medical bills and insurance can be overwhelming, especially when your provider is out-of-network. At Ally Medical, we aim to make this process transparent and manageable, ensuring you get the care you need without financial stress.
What Does “Out of Network” Mean?
An out-of-network provider, like Ally Medical, doesn’t have a contract with your insurance company, which may lead to higher costs. However, emergency care is treated differently under Texas law.
Texas Law: Your Protection for Emergency Care
In Texas, insurance companies must cover emergency room visits at in-network rates, even if the facility is out-of-network. This ensures you receive the same level of coverage as you would at an in-network provider.
How Ally Medical Works with Your Insurance
Although Ally Medical is out-of-network, we work with all insurance companies (except government plans) to maximize your benefits:
- Submitting Claims: We handle all paperwork and submit your claims directly to your insurance.
- Ensuring In-Network Benefits: We ensure your insurance processes claims under in-network benefits, as required by law.
- Resolving Issues: If there are any issues with your claim, we work with your insurer to resolve them.
What to Expect on Your Bill
While much of your visit will be covered under in-network benefits, you may still have some out-of-pocket costs, such as:
- Deductibles: The amount you pay before your insurance covers the rest.
- Co-pays: Fixed amounts you pay for services.
- Co-insurance: A percentage of the total cost after insurance pays its share.
Flexible Payment Options
We offer various payment options to help manage any remaining out-of-pocket costs, making the process easier for you.
