Even if you go in-network, prices for imaging and lab work can vary. Often, this cost disparity is not linked to significant differences in quality.
When you need outpatient care such as lab tests, radiology services, outpatient procedures or other services, consider using a UHC freestanding network facility (also referred to as GW’s preferred network). Freestanding facilities perform outpatient services and submit claims separately from any hospital affiliation, and may be a lower cost option – both in terms of coinsurance as well as the cost of the medical service.
When you visit a GW-preferred network for labs, x-rays and major diagnostics, you will pay 20 percent coinsurance (after your deductible) under the GW PPO or GW HSP plans. In contrast, visiting a facility that isn’t in the preferred network will cost you 40 percent coinsurance (after your deductible) under both health plans. And remember, LabCorp is GW’s preferred vendor for lab work.
So now that you’ve resolved to utilize freestanding facilities for lab tests, radiology or outpatient surgery outside of your doctor’s office, what next? Below are a few example questions you can ask your doctor’s office:
- Do you know the cost of the tests you are ordering?
- Is the provider or laboratory in my insurance’s network?
- Since my share of the cost is less for services performed in a freestanding facility that is not connected to a hospital, can the test or service be performed at a freestanding facility?
- Can you recommend a freestanding facility in the UnitedHealthcare network?
You can also do a quick search for a freestanding network facility through Castlight. When you search for an outpatient center or laboratory on Castlight, be sure to choose a facility that is marked “Freestanding Facility” to help reduce your out-of-pocket costs.
When it comes to choosing a facility for outpatient care, stay informed of your available options. Doing so can help save you money.
