Pricing
Tennessee Orthopaedic Alliance Pricing Plans
For Patients Who Want to Pay Directly for Their Care
At Tennessee Orthopaedic Alliance, We Believe in Pricing Transparency
Purchasing healthcare should not result in surprise bills. We offer bundled payment options for those seeking to pay directly for care apart from an in-network insurance plan. Bundles benefit self-pay patients, self-insured employers, patients with out-of-network commercial non-government payer coverage, health sharing ministries and anyone who bears the out-of-pocket expense for our services.
Select a Marketplace for Self Pay
Self Pay Option
We at Tennessee Orthopaedic Alliance wanted to provide an easy way for patients to pay online. Paying your bill is simply a click away. Make sure you have your invoice on hand, enter all relevant information, and then make your payment. Our intelligent system links you directly to your digital invoice, so you can keep track of your payments made.
Pricing FAQs
In-Network Insurance Plans
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Which plans are considered In-Network?
Tennessee Orthopaedic Alliance is generally considered an in-network provider for the following insurance plans:
- Aetna Commercial and Medicare Advantage Plans
- BlueCross BlueShield Network S and P (We are not in network with L)
- BCBS plans of other states if participant has out-of-area benefits
- BCBS Federal
- BeechStreet
- Blue Care
- Cigna Commercial and Medicare Advantage Products
- Humana Commercial and Medicare Advantage
- MultiPlan/Prime Health
- Traditional Medicare Part B
- United Healthcare: Commercial and Medicare Advantage (Please note- we are not in network with the UHC Exchange Product)
- WellcareThis list is intended to offer general guidance about our network participation. Our network participation is subject to change at any time without timely update to this page.
When should I confirm plan coverage?
Out-of-Network Insurance Plans
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Why isn’t Tennessee Orthopaedic Alliance participating with my insurance plan? or Why did you leave the network?
What if my insurance plan tells me Tennessee Orthopaedic Alliance will be paid an in-network rate?
Self-Pay Options
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How could Self-Pay save me money if I have health insurance?
The amount charged to insurance can vary significantly. If you have a deductible, your insurance company may not pay for services until your deductible is met. If you have not met your deductible, you will be billed and will be responsible for the majority of the cost. Our Self Pay option may save you money, depending on your plan!
How do I submit Self-Pay Claims to my insurance provider?
You can request your medical records from our Patient Services Department and submit your insurance claims on your own. This is an excellent option if you have a plan with a high deductible.
What's The Cost of Self-Pay MRI?
Self-payers can now easily determine MRI costs. New US price transparency laws require providers to post-procedure prices online and at facilities. Below are the average costs in Tennessee, price will vary based on your location, MRI technology upkeep and the provider’s years of experience.
| Head MRI Average Cost | $390-$1,050 |
| Neck MRI Average Cost | $900-$2,325 |
| Shoulder, Arm, Wrist or Hand MRI Average Cost | $380-$1,000 |
| Spine MRI Average Cost | $500-$1,300 |
| Pelvic MRI Average Cost | $600-$1,500 |
| Hip, Leg, Knee, Foot or Ankle MRI Average Cost | $370-$950 |
How Does Self-Pay Urgent Care Work?
Self-pay options, in which patients work with our TOCDOC Tennessee locations to acquire affordable services, are available to patients. Alternatively, they can choose one of our payment plans. Where they will pay a deposit at the time of service and the remaining balance monthly.
What is the Cost of Self-Pay or Cash-Pay Orthopedic Urgent Care?
Determining costs in emergency situations is difficult. Due to the urgency, we often become aware of the patient’s needs as they rush through our doors. Different areas of the body have their own respective costs that reflect both the importance of the specific body part and its function. For example, head, neck and spine issues will generally have a higher cost than the arms, hips and legs.
We have flexible self-pay and cash-pay options to help you cover the cost of our services.
Why Choose Self Pay for Physical Therapy
| Insurance Based Clinic | Self-Pay Accepting Clinic |
| You are responsible for both the clinic’s fees and the rate negotiated by your insurance company. | You are aware of the price per visit prior to your session and can plan accordingly. |
| If you have a high deductible, you will always incur high out-of-pocket costs at the outset of care. ($150-180/visit) | You have greater control over how you spend your money, as opposed to insurance plans dictating which clinics you visit, which physical therapist you see, how many visits per week, and which body part you receive treatment for. |
| After meeting your deductible, you may still be responsible for a copayment or coinsurance for each visit. | Yes! You can pay for your treatment with your FSA or HSA card. |
| You can get reimbursed by your Insurance Company by sending them a superbill that is automatically provided for each visit. | |
| Your total cost of care will likely be significantly less than in a clinic that accepts insurance. |