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About Insurance Types

Payment of medical services provided by DocTalker will depend upon the type of health insurance you have. An overview of coverage under the different types of plans is provided below:

 

DocTalker works especially well for people with preferred provider organization (PPO), point of service (POS), or private insurance plans (fee for service), where patients can choose whom they want to see. With these plans DocTalker can order all tests, labs, x-rays, referrals and medications. In many cases this can be done without an office visit and your charge is not much more than a co-pay. If an office visit is needed, the proper documentation can provided to patients for submission to their insurance company.

     
  DocTalker is a clearly superior family practice for families who will pay most of their medical costs out of pocket. This includes those with a high deductible medical insurance plan,  a medical or health savings account (HSA), or simply no insurance coverage. Assuming the average person needs about an hour of help per year, we estimate that this care will cost about $300.00 under the DocTalker system compared to a traditional office charge of $400.00.
     
  Health maintenance organizations (HMOs) do not reimburse for phone or office visits with doctors outside the plan. However,  prescriptions are covered for patients irrespective of which doctor calls in the medicine. In some plans, laboratory tests and x-rays may be ordered by any primary care doctor, as long as the patient goes to a laboratory that participates in the plan. You need to check with your insurance representative about this. Even where costs are not fully covered by the insurance plan, HMO patients will still benefit from the convenience of getting help and medications through DocTalker. If an office visit is not necessary, the cost would not be much more than your HMO co-pay. DocTalker also may provide medical services not covered under your HMO insurance plan.
     
  Medicare works somewhat like an HMO. Medicine prescriptions provided by DocTalker will be covered, as will some limited laboratory tests and x-rays. For those patients who have primary insurance apart from Medicare, then office visit bills will be paid by the primary insurance when you submit a claim. For Medicare patients without other primary insurance, physician fees and office visits may need to be paid out of pocket. The services of Medicare-assigned doctors will thus be less expensive. But DocTalker can provide many medical services not covered by Medicare (such as routine physical exams), and when it comes to convenience, access, and time savings, DocTalker is still a great pick.

360 Maple Ave W, Suite E   |   Vienna, VA 22180   |   P: 703-938-4604   |   F: 703-938-4618   |   info@doctokr.com

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