What are Site of Care Incentives?

In May 2023, the health plan adopted Site of Care Incentives to promote the use of independent labs and freestanding, independent radiology facilities. When covered individuals use these independent facilities, it drives out of pocket cost down for you, and the overall cost for the plan is significantly less.

Site of Care: Labs
When using labs, participants receive significant discounts for using independent labs, such as Quest or LabCorp. Both LabCorp and Quest facilities provide access in our most of our participant-populated areas. When participants and families use LabCorp and Quest labs, personal out-of-pocket cost are eliminated, with $0 copay AND 0% coinsurance.

Facility labs, such as hospital-owned labs, are covered under the health plan with covered individuals paying the deductible and 20% coinsurance.

Site of Care: Radiology
When using radiology facilities for X-ray, MRI or other diagnostic imaging, independently owned, freestanding facilities, such as Metro Imaging or Diagnostic Imaging Centers in St. Louis and Kansas City, require a standard $25 copay w̳i̳t̳h̳ ̳n̳o̳ ̳d̳e̳d̳u̳c̳t̳i̳b̳l̳e̳. This includes Carpenters Wellness Center referrals to Metro Imaging.

Please note: The site of care radiology incentive for x-rays, MRIs and similar, receive a $25 copay only when they are independently owned, freestanding imaging facilities (not hospital or physician group owned). If you have any questions or would like to check if an in-network radiology facility near you meets the site of care incentive standards, please contact Participant Services.

Radiology services performed within hospital-owned radiology centers are available to participants and families covered under the plan, with out-of-pocket costs including deductible and 20% coinsurance.

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