Our commercials · OON / OOF · Spot H
What is the QPA?
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
- COLLECT / ALL THREE!*
- Two to keep. One you never sign.
- OON.
- ooh, aah, OON!
- COLLECT TWO. NEVER THE THIRD.
The spot, :30
- Healthcare
- Collect all three! Rookie QPA, rare-foil Ceiling, and the ultra-rare Waiver — signed!
- The patient
- OON.
- The public
- ooh, aah, OON!
- The card
- OOF.
- Announcer
- The QPA: what the plan calls its median in-network rate for the service. The Ceiling: your in-network share, figured on it. The Waiver: the one card you never sign.
- 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. 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). The notice-and-consent form is the one way an out-of-network clinician at an in-network facility can bill you more than your in-network share, and the rule itself says consent is optional (45 CFR 149.420). In an emergency no one may ask you to sign it. Neither may anesthesiology, pathology, radiology, neonatology, assistant surgeons, hospitalists, intensivists or diagnostic services (45 CFR 149.420(b)).
CALL NOW!* *The Waiver is not available in an emergency. Nobody may even offer 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
