Insurance Calculator

Phoenix Spine and Joint can help determine if your plan will cover your procedure and estimate your out-of-pocket cost. We are an In-Network provider.

For most services covered under your commercial insurance plan, you are not responsible for filing a claim. Just show your ID card and (if applicable) pay your copayment at the time of service, or coinsurance after your claim is processed.

Start by finding your surgeon.

We have over 30 to choose from. All are board certified, and the one we want to operate on us or our family. The right surgeon is the one who specializes in doing the surgery you need, at a conveniently located facility, that works with your insurance. Select your location and operation to find the best surgeon for you:

[insurancefilter class=”grid_insurance” layout=”slider” default_selected=”Cigna”]

How much will the surgery center cost under my plan?

Your out-of-pocket cost for the Surgery Center depends on your plan and how much you’ve already spent this year. For most insurance policies your responsibility is the sum of your remaining deductible and your co-insurance up to your out-of-pocket maximum. To estimate your Surgery Center related out-of-pocket cost (expense) for a procedure under your insurance please complete the following:

Policy Deductible ($) i the amount you must pay out of your pocket each year before your insurance benefits kick in. Until you reach your deductible your insurance pays zero. Deductibles can be individual or by family.
Deductible already met ($) i the amount you have paid this year toward your deductible.
Out of pocket (OOP) maximum ($) i the most you can be expected to pay each year. After you reach your out-of-pocket maximum your insurance picks up the remainder of the tab.
OOP already met ($) i the amount you have paid toward your out-of-pocket maximum. This includes co-insurance over your deductible.
Co-insurance (%) i the percentage of charges you are responsible for above your deductible but below your out-of-pocket maximum.

I have no idea, just use some typical numbers to give me a rough idea

Your out-of-pocket cost: $0

Insurance is complicated, we can help.

*If your policy has no out of pocket maximum, or your deductible is per service, then this calculator won’t work for you. Remember also that there are separate charges for the surgeon as well as the anesthesiologist which are not included in this calculator.
If you are confused (understandable), or simply just want us to do this for you, during business hours Call (602) 256-2525 or hit chat below. A member of our team can look up your insurance and let you know the amount. After hours complete the form below and we’ll call you back as soon as we get in.