At WellSpan Health, we want every patient to feel welcomed, respected, and cared for from the very first interaction. That starts with helping you understand how your insurance works with our services so you can make choices that support what matters most to you.
Most insurance plans offer in network access to WellSpan. However, some plans - especially those that use “reference based pricing” or “unilateral repricing” - do not have a contract with WellSpan. We want to be clear and transparent, so you’re never left guessing.
These types of plans work differently. Instead of partnering with health systems to agree on coverage rates, they decide on their own how much they will pay for care you receive at WellSpan. Sometimes they pay less than the actual cost of the services. When that happens, the remaining balance may be billed directly to the patient, which can create confusion and frustration — something we work hard to prevent.
Because these plans do not offer in network benefits, WellSpan will register you as a self pay patient. You will receive our discounted self pay rate, and payment will be required in advance when scheduling care under these policies. We share this information upfront to ensure clarity, build trust, and support your ability to make informed decisions about your care.
Self Pay Options at WellSpan
At WellSpan, we want you to clearly understand your options and feel supported every step of the way. If your insurance plan does not offer in network benefits and you are registered as self pay, here are the options available to you:
Scheduled Services
(Office visits, imaging, lab work, procedures, surgery)
- Payment is required before your scheduled service.
- Discounted self pay pricing is available.
- Cost estimates can be requested through:
Emergency Department Visits or Inpatient Admission Through the Emergency Department
- Payment is collected after services are provided.
- Flexible payment plans are available.
- Medicaid enrollment assistance is offered for patients who may qualify based on income and resource guidelines.
- Financial Assistance programs are available for eligible patients.
Need Help? We’re Here for You.
Our Financial Counselors are available at 717-851-5051 to assist with Medicaid enrollment, payment options, and Financial Assistance applications.
You may also apply for these resources directly through MyWellSpan.
