Maury County Prevention Coalition

Insurance is a way to help people afford healthcare. You (or your employer or the government) pay monthly into a pool of money. That money pays for your doctor visits, tests, prescriptions, and more after you meet your deductible. Insurance also covers many types of preventative care at no cost to you—such as yearly check-ups, vaccines, blood pressure screenings, cancer screenings, and more. These services are intended to keep you healthy and reduce long-term costs.

Premium: Monthly amount paid to have insurance (might be paid by you or an employer/government).

Deductible: Amount you pay before insurance starts paying (example: $1,500/year).

Copay: Flat fee you pay at time of service (example: $25 doctor visit).

Out-of-network: A provider who doesn’t take your insurance – usually much more expensive.

In-network: A provider your insurance will help pay for.

Private Pay: You pay the entire bill yourself, no insurance. Ask about self-pay discounts, payment plans,

and upfront pricing. Many providers will work with you if you are honest and ask.

Sliding Scale Fees: Some providers will lower the cost of services based on your income. You must usually provide proof of income (like check stubs or benefit letters). Ask them directly: “Do you offer a sliding scale?”

1. Even if a provider is listed as in-network online always call the provider’s office to confirm they still accept your insurance. Provider networks change often, and online directories can be out of date.
2. Many community health clinics and mental health centers use a sliding scale model or offer free or low-cost services for people who are uninsured or underinsured.