Financial Matters

We firmly believe that no one should feel he or she is unable to obtain the best medical care available due to financial difficulties.  We have a group of top-notch counselors to help you with insurance matters and payment solutions. 

The First Step

Always check with your employer or insurance carrier to obtain authorization or pre-certification for any services required.  Failing to confirm authorization could reduce your benefits.

Prior Authorization/Pre-Certification Policy
Cancellation Policy

Office Visits

Please understand that your co-payment – or payment of any charges not covered by insurance – is anticipated at the time of every office visit.  And please know that you’re always welcome to contact one of our financial counselors regarding any charges associated with an upcoming visit.

While we ask that you pay your share for services as they are provided, we also recognize that unanticipated events occasionally affect personal finances.  If you’re unable to pay your bill in full at the time of your visit, a financial counselor can help you set up a payment schedule that provides a monthly statement reflecting itemized charges, current payment due, and total balance.

Your Insurance

Regardless of the source of your insurance – employer-sponsored, Medicare, Medicaid – our insurance counselors are here to help you.  Please remember to always bring your updated insurance cards (including Medicare A, B, or D, Medicaid or any other), as well as a picture identification, if possible, to every office appointment or hospitalization. Please always bring a current and accurate list of all your medications to each office visit. If your insurance has a specific formulary or if you have Medicare D, you must bring the formulary list of approved cardiac drugs to each office visit so our physicians can prescribe the most appropriate and cost-effective cardiac medications for you.

Too often, people assume that their insurance providers will cover the entire cost of medical care.  Typically, insurance carriers pay only a portion – or “customary percentage” – of the bill.  Find out what percentage of the bill your carrier will pay by calling your insurance.

If your coverage is through a health maintenance organization (HMO) or a preferred provider organization (PPO), it’s essential that you let us know that before your first visit.  You will be required to provide us with authorization from your referring physician to prevent any possible reduction in benefits from your provider.

If Medicare is your provider, it will pay us 80 percent of any approved charges.  At the time of your office visit, you’ll be responsible for the remaining 20 percent of the approved amount, any deductible, and any non-covered services.  If you have supplemental insurance that pays charges above and beyond Medicare, we will help you file that claim, too. 

If your coverage is provided by Medicaid, you must present your current Medicaid card every time you visit us. 

We’re Here to Help

If you’d like to speak with an insurance counselor or financial counselor, call our Billing Department directly at (260) 481-4850 or (800) 488-3840.