Our commercials · OON / OOF · Spot K
Who decides which doctors are in my network?
The real answer
A network is the set of doctors a plan has contracted with, and the plan files their contract rates under federal law. In an emergency the No Surprises Act prices your share on the recognized amount — under the federal rule the QPA, what the plan calls its median in-network rate for the service — whether the doctor is in the network or not, and the doctor may not bill you the rest.
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
- WELCOME TO / YOUR PLAN. / THERE’S NO / TURNING BACK.
- EVERYBODY WANTS TO RULE THE NETWORK.
- OON.
- Your network: assignedYour doctor: assignedYour price: on fileYour choice: also on fileDecided before you arrived. Revised while you wait.
- ooh, aah, OON!
- WE ALREADY DO.
- You are welcome to want. Wanting is covered.
- IT’S A BIG CLUB. / YOU’RE IN NETWORK.*
The spot, :30
- Healthcare
- Welcome to your plan. There’s no turning back. Your network was chosen before you arrived, and it chose you.
- The patient
- OON.
- The public
- ooh, aah, OON!
- The card
- OOF.
- Healthcare
- Everybody wants to rule the network. We already do. You are welcome to want; wanting is covered.
- Announcer
- Out of network, in an emergency, your share is your in-network share, on the ceiling the law sets. The network rules nothing there.
- 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. The protection covers an emergency at any ER and an out-of-network clinician at an in-network hospital or surgery center (45 CFR 149.110, 149.410). It does not cover a planned visit to an out-of-network facility: there the office's in-network discount is real, and the network tables say so. 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.
CALL NOW!* *Membership is automatic. Dues are deducted. In an emergency the law prices your share on a ceiling, in network or not.
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
