Make a Payment to Arizona Spine Consultants

Payment Instructions

Copay / Deductible / Coinsurance money will be collected at the time of service.

We accept payment by cash, Visa, Mastercard, American Express, and Discover.

A copay (or copayment) is a flat fee that you pay on the spot each time you go to your doctor. Let’s say you hurt your back and go see your provider. The amount you pay for that visit is your copay. Your copay amount is printed right on your insurance card. Copays cover your portion of the cost of a doctor’s visit.

A deductible is the amount you pay each year for eligible medical services or medicines before your insurance plan kicks in. For example, if you have a $1,000 yearly deductible, you’ll need to pay the first $1,000 of your total eligible medical costs. Many medical services count toward your deductible. Examples include hospitalization, surgery, lab tests, MRIs, CAT scans, anesthesia, physical therapy, medical devices such as pacemakers, mental health care, and chiropractic care.

Coinsurance is a portion of the medical cost you pay after your deductible has been met, and your health plan kicks in. Coinsurance is a way of saying that you and your insurance carrier each pay a share of eligible costs to add up to 100%. Here’s an example of how coinsurance works once you’ve met your deductible. If your coinsurance is 20%, you pay 20% of the cost of your medical bills. Your health insurance plan will pay the other 80%. Let’s say you meet your annual deductible in October and you need an MRI that costs $1,000. Your coinsurance share is 20%. That means you need to pay $200 ($1,000 x 20%). Your insurance company pays the other $800.