Power to the patients

VisitPay's consumer guide to healthcare finance.

  • Introduction
  • Take the Quiz
  • Get Informed

There’s no sugarcoating it—our current health system has major problems, particularly when it comes to paying for care.

Healthcare today is expensive. It’s complicated and confusing—even for experts. And it can leave us feeling powerless.

VisitPay believes people deserve better, so we’re giving you the information and tools you need to better understand and take control of your own financial experience. When you’re informed and you know what questions to ask, it’s easier to seek better patient payment services together with your healthcare provider.

Take our healthcare cost quiz to test your knowledge about the finances of healthcare—and learn some new ways to improve your own personal financial journey.

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Or, jump ahead to learn more about your Healthcare Financial Journey

VisitPay believes families deserve to be more informed when making healthcare finance decisions.

Let’s get a baseline. A few questions to figure out how much you already know about paying for healthcare.

When you’re healthy, why not stay that way?
Before illness strikes, take the time to dive into your health insurance policy and understand its benefits.

Thanks to the Affordable Care Act, most preventive care must be covered by your health insurance without requiring coinsurance, copayments, or even a deductible. Preventive services involve health and medical services whose purpose is to prevent certain health conditions or diseases and help people live healthier lives through planning, early detection, management and medical guidance.

If you don’t have insurance, a dose of self-care could be an ounce of prevention that saves you time, money and worry.

chart of phases

Questions you might ask during this phase:

Insurance company

  • What do all those insurance terms mean, like deductible, co-pay, co-insurance and out-of-pocket balance?
  • What is my deductible?
  • Do I have a co-pay? How can I budget for them?
  • What is an out-of-pocket maximum?
  • What wellness benefits do I receive without incurring out-of-pocket fees?
  • What is the difference between in-network and out-of-network providers?
  • What is a health savings account and how might it benefit me? What is a flexible spending account?
  • How can I get health insurance if I don’t have it now?
  • If I pay cash for healthcare, does it cost less?

State government

  • Do I or my children qualify for Medicaid?
  • How does Medicaid work?
  • (If 65 or older), do I understand the ins and outs of Medicare?
A dose of self-care could be an ounce of prevention that saves you time, money and worry.

Helpful Resources:

  • Your employer’s benefits or HR manager
  • Health insurance representatives and websites
  • Wellness blogs
  • Your local gym


Ask your insurance company:

What is an out-of-pocket maximum?

Key Terms to Search:

  • Insurance coverage
  • Wellness benefits
  • Medicaid
  • Medicare
  • Health savings account
  • Flexible spending account
  • Deductible
  • Co-pay
  • Co-insurance

Phase 2: Diagnosis