What to do before you receive care
We encourage your become familiar with the terms and conditions of your health insurance coverage and review any changes each year. Understanding your insurance coverage can help you avoid unnecessary bills. If you have questions about your coverage you should contact your insurance carrier directly. You can find a customer service phone number on your insurance card, usually on the back.
If you are a member of a managed care plan
Your health insurance plan may have special requirements such as second surgical opinion, prior authorization or limitation where care is provided. If your insurance plan’s requirements are not followed, you may be financially responsible for all or part of the bill for services provided by the hospital. If your primary care physician or provider refers you to a specialist, you many want to confirm if the specialist participates in your health care plan.
If you are covered by Medicare and a secondary insurance
Medicare will be billed first. Once Medicare’s payment is received, your secondary insurance will be billed. Please be advised Medicare does not cover some items and services. Examples of services not covered by Medicare include dental-related services, self-administered medications (such as pills), personal comfort items, hearing evaluations and other. After Medicare, and any secondary insurance have paid their portions, you will be billed for any deductible, co-payment, and non-covered service that is your responsibility.
Billing your insurance company
Providence will submit bills to your insurance company when complete information is provided. Please remember that your policy is a contract between you and your insurance company and you have the final responsibility for payment of your hospital bill. If your insurance company does not pay within 45 days of billing, please contact them to resolve the delay. Secondary insurance is billed after the primary (or first) insurance pays. After your insurance company processes the bill (also known as a claim), the balance (amount owed by you) is due within 30 days.
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