Financial Matters

Understanding Your Health Insurance Plan

There are hundreds of health insurance plans, and each one is different. These are some of the things you should know about your plan before scheduling services at The Children’s Hospital of Philadelphia or at a location within the CHOP Care Network. 

Get answers to your health insurance questions

If you’re unsure about any of the insurance plan features listed above, the best way to learn about your specific plan is to contact either your employer’s Benefits Office or your health insurance provider. The following list of questions will help you get the detailed answers you need:

First, ask your healthcare provider if it considers CHOP to be in-network or out-of-network.

My child needs services from the Department of _____________ at The Children's Hospital of Philadelphia. (Explain why this is important for your child's care.) I need to understand if my insurance will cover/pay for my child's care at this hospital. Do you consider CHOP and its physician (billing) groups to be “in-network,” a “preferred provider,” a “non-preferred provider,” or "out-of-network?"

  • If CHOP is in-network or a preferred provider, please read the section below this box.
  • If CHOP is a non-preferred provider or out-of-network, jump to the next section.


If CHOP is in-network, ask your insurance provider the following questions:

If CHOP is out of network, ask your insurance provider the following questions:

Do you still have questions?

Review our frequently asked questions to see if we've posted the answer you're looking for, or call our Financial Counseling Hotline, 1-800-664-7855.

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