Mon-Fri: 8 a.m. - 6 p.m. • Sat & Sun: 8 a.m. - 4 p.m.
Mon-Fri: 8 a.m. - 6 p.m. • Sat, Sun, & Holidays: 9 a.m. - 5 p.m.
Mon-Fri: 8 a.m.- 6 p.m. • Sat, Sun, & Holidays: 8 a.m. - 2 p.m.
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Understand Your
Health Insurance
When deciding where to go, it’s best to choose an in-network healthcare provider. An in-network provider has a contract with your insurer to provide services to plan members for specific pre-negotiated (i.e. discounted) rates, this is often called contracted insurance.
Some plans offer access to an additional network of “leased” providers. This is sometimes referred to as a wraparound network. In instances the provider isn’t directly contracted for in-network rates, but they are part of a network contracted to provide discounted rates.
Out-of-network providers have not agreed to any rates or discounts, and as the patient, you’ll likely end up paying a lot more. The phrase accepted insurance only means the provider will file the claim on your behalf and does not necessarily mean that they are contracted as “in network” with your insurer.
Jovive Health participates in many major insurance networks. Contact your insurer to confirm coverage.
When you arrive to a visit at Jovive Health, show your insurance card to the front desk and be prepared to pay your copay. Please be aware that a copay for an urgent care visit may be higher than a primary care appointment. Check out our helpful decision guide to decide which kind of appointment is right for you.
There may be additional out-of-pocket costs after your copay. Lab work done off-site is billed separately, and your insurance may only cover a portion of the services during the visit. Learn more about how claims are processed below.
Many medical costs are eligible to count towards your deductible, such as bills for hospitalization, surgery, MRIs, CAT scans, lab tests, and anesthesia. However, costs for things like well visits, copays and your insurance premium generally do not count towards the deductible.
If you haven’t yet met your yearly deductible, your insurance company will not pay the claim for your visit, and you will be responsible for the total cost.
The insurance company will send your healthcare provider a summary detailing how much they will pay, and how much you, the patient, owes. You will also receive an Explanation of Benefits, which explains how costs are shared.
Once your healthcare provider receives the insurance company’s payment, they will send you a bill for the remaining cost of the visit. This bill, for which you are responsible, will go toward your deductible or coinsurance, and should be paid directly to the healthcare provider. Many healthcare providers will work with you on payment plans if you can’t pay in-full by the given due date.
