Our commercials · OON / OOF · Spot G
Can I choose an out-of-network doctor at the ER?
The real answer
Out of network, in an emergency, your share is your in-network share figured on a ceiling federal law sets: the lesser of the doctor’s billed charge and the QPA, what the plan calls its median in-network rate for the service, or the amount your state’s own law sets where it reaches your plan. In network, your share is figured on a contract rate you are not told, though the plan publishes it.
Surprise billing: the law, state by state, and what you pay — on provern.org
One of the ads our agency made that we did not approve.
Advertised by a Third Party Advertiser. We are not affiliated. They advertise our prices. We contract the prices. The third party advertises and connects with you. We are not related.
The words on screen
- The ads our agency made that we did not approve. — Standard Healthcare
- TWO DOCTORS. / ONE HALLWAY.
- One price you are not told. One ceiling you are.
- OON.
- ooh, aah, OON!
- SAME HALLWAY. SAME GOWN. ONE CEILING.
The spot, :30
- Healthcare
- Take the door on the left, in network! You’ll love the price. Eventually.
- The patient
- OON.
- The public
- ooh, aah, OON!
- The card
- OOF.
- Announcer
- Same hallway. In network, your share is figured on a contract rate you are not told. Out of network, in an emergency, on the ceiling federal law sets, and the doctor may not bill you the rest.
- Cut to
- A stock photo, confusion. The card: ooh, OON! Go to provern. provern.org
The fine print, in full
Standard Healthcare is a parody. No real company is depicted. The No Surprises Act: in an emergency, at any ER, a hospital's or a freestanding one, in your network or not, your share is your in-network share, figured on the recognized amount, not on the doctor's bill (45 CFR 149.110). It counts toward your in-network deductible and out-of-pocket maximum. The doctor may not bill you the rest (45 CFR 149.410). After you are stabilized the protection runs through the visit until you sign a valid consent, and you don't have to. Under the federal rule the recognized amount is the lesser of the doctor's billed charge and the QPA, what the plan calls its median in-network rate for the service (45 CFR 149.30, 149.140); where a state's own law reaches the plan, the state's amount. A dispute over the payment is the doctor's and the plan's; your share does not move (45 CFR 149.510).
CALL NOW!* *Both doors open. Only one of them has a ceiling written on it.
How every spot ends
- The transition
Photo: Ernie Branson for the National Cancer Institute, public domain, via Wikimedia Commons · credits - The relief ooh, OON!
- The closer Go to provern
