Out of Your Pocket

ァ と OUT OF YOUR POCKET Break your leg skiing? YOU COULD PAY $3,500 MORE IF you receive care from out-of-network doctors ($4,000) vs. in-network doctors ($500). That's about the cost of 3 adult season passes to ski in the Adirondack Mountains. SEASON PASS SEASON PASS SEASON PASS 1 Adult 1 Adult 1 Adult NETWORK = providers who participate with your health plan. YOU TYPICALLY PAY LESSO,MORE for in-network for out-of-network providers providers OUT-OF-POCKET costs can vary A LOT, based on your health plan. EXAMPLES OF AVERAGE IN-NETWORK VS. OUT-OF-NETWORK COSTS IN UPSTATE NY: OUT VS. $500 IN $150 ** $650 DIFFERENCE CONCUSSION That difference could buy an Xbox One Console IN VS. $1,400 OUT GALLBLADDER $100 " $1,500 DIFFERENCE SURGERY That difference could buy 3 iPad Airs 16GB OUT VS. $2,500 IN CESAREAN $1,500 * $4,000 DIFFERENCE SECTION That difference could buy a semester of SUNY tuition OUT = $8,500 $1,500 $10,000 DIFFERENCE IN VS. SEPTICEMIA (serious bloodstream infection) That difference could buy 18 months of new car payments $10,000 $1,500 * $11,500 DIFFERENCE IN OUT VS. %3D KNEE REPLACEMENT That difference could pay off the average credit card debt two times Does your health plan have a deductible? If so, you'll have to pay the deductible amount for covered services before the insurer pays all or part of the rema ing costs. ACCORDING TO A STUDY BY YALE AND NYU RESEARCHERS: -1 in 10 U.S. patients goes out of network for care. IN UPSTATE NY, The number of doctors in each health insurer's network could vary by HUNDREDS of providers. AVOID BIG BILLS PLEASE PAY Before choosing a health plan: • Ask your doctors if they're in your plan's network, or • Ask health your insurance company Before surgery, ask if ALL participating doctors (including radiologists and anesthesiologists) are in your plan's network To see whether your doctor is in Excellus BlueCross BlueShield's network, go to: ExcellusBCBS.com/FindProvider National strength. Excellus 0 Local focus. Individual care." * Undergraduate, in-state tuition Figures regarding in-network and out-of-network costs, along with data about health insurers' provider networks are based on Excellus BlueCross BlueShield analyses. Figures associated with galbladder surgery, cesarean sections, septicemia and knee replacements reflect average costs for a single visit or service. Figures for a concussion and broken leg reflect average costs for all services received to treat the medical condition. A nonprofit independent licens ee of the Blue Cross Blue Shield Association Sources: http://www.amazon.com/Xbox-One-Consoleidp/B00CMQTVUA/ref=sr_1_1?ie=UTFB &gid=1388068047 &sr=8-1&keywords=xbox+one+console http://store.apple.com/us/buy-ipad/ipad-air https://www.suny.edu/student/paying tuition.cfm http://press.experian.com/United-States/Press-Release/experian-automotive-interest-rates-for-auto-loans-hit-all-time-low.aspx?&p=1 http://www.marketwired.com/press-release/-1820162.htm http://www.ncbi.nlm.nih.gowpubmed/23088523 AA 87601234A A2 AA 876012 A2