Self-Pay Pricing Information

Tennessee Orthopaedic Clinics is generally considered an in-network provider for the following insurance plans:

• Aetna Commercial and Medicare Advantage Plans
• Amerigroup
• 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
• 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)
• Wellcare

This 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.

Always confirm our practice’s network status with your specific plan prior to your appointment. We welcome patients with out-of-network insurance or no insurance as well.

Always confirm our practice’s network status with your specific plan prior to your appointment. We welcome patients with out-of-network insurance or no insurance as well.

When an out-of-network plan says it will pay the practice an in-network rate, that means the plan will pay us less than the price we have set for the service. Our rates are fair and transparent, so we are not willing to accept less from an out-of-network plan.

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!

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.

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.

Self-pay options, in which patients work with our TOA 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.

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.