Insurance Information

Your annual insurance deductible is the dollar amount specified by your health plan to be paid by you each year before insurance payments will be paid to any healthcare provider for non-preventive services. It is possible that you or your employer chose a higher deductible plan in order to pay a lower monthly premium for insurance coverage. When insurance claims are submitted for payment the health plan processes it to see if the services are covered and how much should be paid. Any deductible amount that has not been paid by you will be subtracted from the amount to be paid for covered services. The healthcare provider will bill you for the amount your insurance plan states is “due from patient”.

Co-insurance is the portion you will pay for covered medical services after your annual deductible is satisfied. Co-insurance is calculated when your health plan processes the claim for services you received. It is typically a percentage of the amount your health plan allows for each procedure or service.

Co-pay is the set amount of money your health plan designates for you to pay each time you receive specific types of healthcare services. This is most commonly paid at your doctor’s office, urgent care or emergency department. This is your portion of the office examination. Additional co-insurance amounts may also be owed if you have tests or procedures during the same visit.

Stillwater Medical reached a three-year agreement with Blue Cross and Blue Shield of Oklahoma that ensures in-network access to all Stillwater Medical providers, specialists, and locations, including hospitals in Stillwater, Blackwell, and Perry. The new agreement will keep Stillwater Medical hospitals, doctors and health care professionals in these networks: Blue Traditional and Blue Choice PPO.  

Blue Preferred PPO will no longer be in network with Stillwater Medical. If an employer group wants to access in-network care at Stillwater Medical facilities, they will need to utilize Blue Traditional or Blue Choice. Members can visit bcbsok.com or call the number on the back of their ID card to verify in-network hospitals and providers for their specific plan.

Stillwater Medical participates in numerous plans from approximately 20 insurance providers. The terms of some plans do not allow us to adequately invest in providing the highest-quality care for our patients. Patients with questions about their insurance coverage are encouraged to contact Stillwater Medical or their HR benefits administrator directly.

Blue Preferred will continue to be contracted through end of 2023. Beginning in 2024, Stillwater Medical will be in network with BCBS Traditional and Choice only. The first step you need to take is to contact your broker or company’s benefit administrator for details about what this means for you and what options may be available.

Throughout negotiations, we provided our patients with timely and accurate information so they could make informed decisions about access to care, continuing to see their physicians and specialists with whom they built trusted relationships, and their insurance options. We believe it is important to have this critical information to make the best decisions for them.

If you have Federal employee/retiree benefits, and are currently in PPO network with Stillwater Medical, you will continue to be covered.

Stillwater Medical has healthy, ongoing contractual relationships with many insurance providers, all of which are listed on our website. We will communicate with patients regarding their in-network access to care when appropriate. 

Feel free to reach out to us at (405) 533-8833 or questions@stillwater-medical.org.