• What can I do if my insurance plan doesn’t cover Seattle Children’s?

    Talk with your child’s primary care provider. You may have other options. Your child may still receive care at Seattle Children’s but you may be responsible for the full cost. If you choose to receive care at Seattle Children’s, your insurance may cover services at a much lower rate which is called out-of-network. Financial assistance does not cover non-urgent or elective services that other in-network providers can provide.back to top

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  • I have insurance, but how much will I have to pay?

    The amount you owe (out-of-pocket cost) depends on the insurance plan you have. Your cost is determined by your co-pay, co-insurance, individual and family deductible amounts, as well as the type of services your child receives. Contact your insurance to learn what is covered on your plan. If you’d like an estimate, we can help, but we need some additional information from you and your insurance company. Learn more.

    For more information about how insurance coverage works, see our resources page.

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  • How does a faith-based health cooperative compare to insurance?

    In faith-based health cooperatives, members make monthly payments, similar to an insurance premium. Then, when members get medical bills, they get money from the cooperative. It is not insurance, but is considered an alternative to insurance and can be used to avoid health insurance penalties. The two most common are Samaritan Ministries and Medi-Share.

    Faith-based health cooperatives may not cover pre-existing conditions. Also, there may be limits on how much is covered for each episode of care.

    If you belong to a faith-based cooperative, you can apply for Seattle Children’s Financial Assistance; however, we cannot approve financial assistance until we have determined you are not eligible for Apple Health (Medicaid).

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