Skip to main content

Cost of Out-of-Network Doctors & Hospitals

You can keep your out-of-pocket costs down when you stay in network. We discuss rates with providers to help you save money. We refer to these providers (such as doctors, hospitals, and surgical centers) as being “in our network.”

There may be times when you decide to visit a doctor or hospital not in the network. Some plans cover out-of-network care only in an emergency. Otherwise, you’re responsible for the full billed amount. For plans that do cover out-of-network care, you’ll usually pay more than if you stayed in the network.

See how much less it can cost to stay in network

Some plans don’t offer any out-of-network benefits. For those plans, out-of-network care is covered only in an emergency. Otherwise, you’re responsible for the full billed amount of any care you get out of network.

The information on this page is for plans that offer both in-network and out-of-network coverage.

These plans pay for out-of-network services based on an “allowed” amount. Most Allina Health | Aetna plans determine the allowed amount based on what Medicare would pay, or on a “reasonable” amount. Your plan documents will tell you how your plan decides the allowed amount.

We’ll use an example to show you how out-of-pocket costs are calculated for care when you stay in network and when you go out of network.

Let’s look at an $825 charge from a doctor’s visit.

In network, your cost for this visit is $140. Out of network, it’s $645. So you pay an extra $505. Here’s why:


IN NETWORK

OUT OF NETWORK

The doctor bill is $825. For doctors in our network, we’ve contracted a price of $500 for this type of visit. This is all the doctor can collect. So you get a $325 discount at the start.


Your cost so far: $0

The doctor bill is $825. The out-of-network “allowed” amount for this type of visit is $400. The doctor can look to you to pay the rest — in this case $425. That amount is what you have to pay. This called balance billing.


Your cost so far: $425

You pay your deductible for in-network care, which is $50.

$500 - $50 leaves $450.


 

Your cost so far: $50 ($0 + $50)

You pay your deductible for out-of-network care, which is $100.

Deductibles for out-of-network care are usually higher than for in-network care.

$400 - $100 leaves $300.

Your cost so far: $525 ($425 + $100)

Now that you’ve met your deductible, your plan pays 80% of the rest. In this case, that’s $450.  Your plan pays $360 (80% of $450).


You pay the other 20%, or $90. We call this your coinsurance.

 



Your total cost: $140 ($0 + $50 + $90)

Now that you’ve met your deductible, your plan pays 60% of the remaining allowed amount.  In this case, that’s $300.  Your plan pays $180 (60% of $300).

You pay the other 40%, or $120. We call this your coinsurance.

We pay a smaller percentage for out-of-network care than for in-network care. That means your coinsurance (the percentage you pay) is higher.

Your total cost: $645 ($425 + $100 + $120)

How does going out of network affect out-of-pocket limits?

An out-of-network doctor can charge any amount he or she wants. He has not agreed to a contract price for the covered service. In this case, the doctor is charging $825. Not all of that money counts toward your out-of-pocket limit.

  • Your out-of-network deductible ($100) counts toward your out-of-pocket limit.
  • Your coinsurance ($120) counts toward your out-of-pocket limit.
  • The extra amount the doctor can bill ($425) does not count toward your out-of-pocket limit. 

How to lower your costs

Ask your doctor to refer you to a specialist, hospital or surgical center that accepts your plan.

Or search our provider directory

Find out what it will cost before you go. Ask your out-of-network providers what the billed amount will be. For in-network care, your secure member website may be able to provide rate estimates. Or talk with the in-network provider’s office about what you may be asked to pay.

Does your member ID card have “NAP” on the front? NAP stands for National Advantage™ Program. With this program, you can:

  • Get discounts for out-of-network care from NAP providers. Your out-of-pocket costs may be less than your costs for seeing other providers who are out of network..
  • Avoid a balance bill by getting care from a NAP provider. You’ll pay your usual cost sharing for out-of-network care. .

You can check your most recent ID card to see whether your plan has the program. Some plans that used to have NAP no longer have it.

Better health care, together

Allina Health and Aetna have partnered to transform the way you experience health care. Our plans are designed to offer members more personal, affordable and effective health care right in their community.

Together, we’re reinventing the health care system and helping members achieve their health goals.

Contact Us

Allina Health Aetna Logo Allina Health Aetna Logo

Health plans are offered, underwritten or administered by Allina Health and Aetna Insurance Company (Allina Health | Aetna). Allina Health l Aetna is an affiliate of Aetna Life Insurance Company and its affiliates (Aetna). Allina Health | Aetna has sole responsibility for its products and services. Aetna provides certain administrative services to Allina Health | Aetna.

Allina Health | Aetna is the brand name used for products and services provided by Allina Health and Aetna Insurance Company.

This material is for information only and is not an offer or invitation to contract. Health benefit plans contain exclusions and limitations. Providers are independent contractors and not our agents. Provider participation may change without notice. We do not provide care or guarantee access to health services. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability are subject to change and may vary by location. If you are in a plan that requires the selection of a primary care physician and your primary care physician is part of an integrated delivery system or physician group, your primary care physician will generally refer you to specialists and hospitals that are part of the delivery system or physician group. Information is believed to be accurate as of the production date; however, it is subject to change.

You are now leaving www.allinahealthaetna.com.

You are now being redirected to www.aetna.com. Allina Health and Aetna Insurance Company (Allina Health | Aetna), a health insurer jointly owned by Allina Health and Aetna, will offer, underwrite or administer health insurance plans.

Aetna is the brand name for Aetna Life Insurance Company and its affiliated companies. Allina Health and Aetna Insurance Company is an affiliate of Aetna Life Insurance Company and its affiliates (Aetna). Aetna provides certain administrative services for Allina Health and Aetna.

Cancel Continue

You are now leaving the Allina Health | Aetna website.

Links to outside sites are provided for your convenience only. Allina Health | Aetna and its affiliates are not responsible for the content, accuracy, or privacy practices of linked sites, or for products or services described on these sites.

Cancel Continue

You are now leaving www.allinahealthaetna.com.

You are now being redirected to www.allinahealth.org. Allina Health and Aetna Insurance Company (Allina Health | Aetna), a health insurer jointly owned by Allina Health and Aetna, will offer, underwrite or administer health insurance plans.

Aetna is the brand name for Aetna Life Insurance Company and its affiliated companies. Allina Health and Aetna Insurance Company is an affiliate of Aetna. Aetna provides certain administrative services for Allina Health and Aetna.

Cancel Continue