Billing & Insurance

Billing Information

Aban

Aban

Ginger

Ginger

Maralee

Maralee

Miriam

Miriam

Dilly

Dilly

You will only receive a statement from our office is there is a balance of $5.00 or more. We will work with your primary insurance company for claims processing. As a courtesy to our patients, we will file with the secondary insurance; however, it is your responsibility to ensure that they pay the claims in a timely manner, or this will become due from you after 90 days.

It is your responsibility to monitor your insurance explanation of benefits and pay any deductibles or co-insurance charges due in a timely manner. If you are unable to settle any charges in full, please call the office to discuss payment options. We accept cash, checks or Visa®, MasterCard® and American Express® credit cards.cards There will be a $30 returned check fee.

It is also your responsibility to notify us if your insurance changes by presenting your new card at the office visit. This includes a change in policy number or insurance carrier. In addition, notify our office with changes in your address or telephone numbers, so there is no delay in communicating necessary information to you. Incorrect insurance information can result in missed timely filing deadlines, incurring patient liability.

Your co-pays are due at the time of the visit. We are unable to discount or waive this amount due to our and your contract with the insurance company.

Insurance Information

The patient’s insurance card is verified at every visit; it is the patient’s responsibility to report any changes to your insurance coverage.

Further, it is the patient’s responsibility to know the requirements of their insurance company and fulfill them. If a referral or authorization is required prior to an office visit, the patient is responsible for obtaining the same. If you do not have the referral at the time of your visit, the payment for that office visit becomes your responsibility until our office receives the referral.

Notify our office of any changes to your address or telephone numbers so there is no delay in communicating any necessary information to you.

Billing & Insurance Questions

What is a co-pay and when do I need to pay it?

    • A co-pay is a fixed dollar amount set by your insurance plan on a specific medical service to be paid at the time the service is rendered. Co-pays typically do not apply to the out-of-pocket maximum (the collective amount which must be satisfied to access 100 percent coverage for the remainder of the year).

We will ask for your co-pay when you check in with the receptionist for your doctor visit. HOC is a specialist practice; for many insurance plans, a specialist’s co-payment fee is higher than regular office visits. Your co-payment amount is usually shown on your insurance card.

What is a deductible and when do I need to pay it?

  • A deductible is the annual amount that must be paid out-of-pocket before your insurance will cover specific services. Typically, deductibles apply to the beginning of the calendar year and are due upon receipt of your statement.

Why am I being billed for an amount my secondary insurance should have paid?

  • The most common answer is that many secondary insurance plans do not cover the primary insurance’s annual deductible. Another reason could be there is not a benefit for the particular service rendered. If you feel that your secondary insurance should have paid and has not, please contact your insurance company and determine the reason.

Can I pay my bill over the phone with a credit card?

  • Yes, we accept payment with Visa®, MasterCard® and American Express® credit cards.

How do HMO referrals work for patients who have an insurance policy that requires a referral?

  • It is important that the cancer or blood doctor you will be seeing is part of your insurance plan’s “network.” Please refer to the list of providers within your network. If you do see a doctor out of your network, you will be billed for the services. It is your responsibility to contact your primary care office for an insurance referral to come to HOC. Your Primary Care Physician’s (PCP) office must manage your referrals.