Participating providers have agreed to render medically necessary services at negotiated rates. You are not responsible for the difference between the negotiated rate and the billed charge, except for your deductible, co-payments, co-insurance, and non-covered items.

HMAA has no agreement with non-participating providers. Therefore, you will be responsible for all non-covered charges including the difference between the billed charge and the eligible charge, plus any co-payments, co-insurance, and deductibles. Therefore your out-of-pocket expense will be significantly higher. Please refer to our payment illustration or contact us for assistance.