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Insurance List & Self-Pay Options

We Accept Most Health Insurance Plans

Aetna
Aetna Better Health
BCBS Logo
Cigna
First Health
Humana
Molina Healthcare
United Healthcare
Medridian

Some HMO insurance plans require members to obtain a referral from their primary care provider before receiving services at an urgent care. Please contact your insurance carrier's customer support for more coverage details.

Self-Pay Options

Metro Urgent Care does offer self-pay options for those who are uninsured or wish to not use their insurance plan. For more information about our self-pay prices, please contact our team by calling (773) 341-2897.

Health Insurance Glossary

  1. Beneficiary: An individual who receives the benefits from an insurance policy if the policyholder dies or becomes unable to receive those benefits.

  2. Co-pay: A fixed amount of money that a policyholder pays out of pocket for a specific healthcare service, usually at the time of service.

  3. Coinsurance: The percentage of the cost of covered healthcare services that a policyholder is responsible for paying after the deductible has been met.

  4. Cost Sharing: The collective amount that policyholders are responsible for paying towards their healthcare costs, which may include co-pays, coinsurance, and deductibles.

  5. Deductible: The amount of money a policyholder must pay out of pocket for healthcare services before their insurance coverage kicks in.

  6. Employer-Sponsored Coverage: A type of health insurance plan provided by an employer to its employees as part of their benefits package.

  7. Formulary: A list of prescription drugs that an insurance plan covers and typically categorizes them based on their cost.

  8. Gold Health Plan: A type of health insurance plan with a high premium but lower out-of-pocket costs.

  9. Health Coverage: Insurance that covers the cost of medical and surgical expenses incurred by the policyholder.

  10. Health Insurance: A type of insurance coverage that pays for medical and surgical expenses incurred by the policyholder.

  11. HMO: HMO stands for Health Maintenance Organization, which is a type of health insurance plan that requires policyholders to choose healthcare providers from a specific network.

  12. In-network: Refers to healthcare providers who are contracted with an insurance plan and have agreed to provide healthcare services to policyholders at a negotiated rate.

  13. Individual Health Insurance Policy: A type of health insurance plan that is purchased by an individual rather than provided by an employer.

  14. Medicaid: A government-funded program that provides healthcare coverage to low-income individuals and families.

  15. Medicare: A government-funded program that provides healthcare coverage to individuals over the age of 65, as well as those with certain disabilities and medical conditions.

  16. Open Enrollment Period: A specified period of time during which individuals can enroll in or make changes to their health insurance plan.

  17. Out-of-network: Refers to healthcare providers who are not contracted with an insurance plan and therefore may charge policyholders higher rates for healthcare services.

  18. Out-of-pocket: The amount of money that a policyholder is responsible for paying toward their healthcare expenses.

  19. Policy Year: The period during which an insurance policy is in effect, typically one year from the date of purchase.

  20. PPO: PPO stands for Preferred Provider Organization, which is a type of health insurance plan that allows policyholders to see both in-network and out-of-network healthcare providers.

  21. Premium Tax Credit: A tax credit provided to individuals to help lower the cost of their health insurance premiums.

  22. Recipient Identification Number (RIN): A unique identifier assigned to individuals who are enrolled in government-funded healthcare programs such as Medicaid.

  23. Silver Health Plan: A type of health insurance plan with moderate premium and out-of-pocket costs.

  24. Subsidized Coverage: A type of health insurance coverage that is partially or fully paid for by the government or another organization.

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