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When you come to our Office
St. Elizabeth Physicians participate with most insurance companies, Medicare and Medicaid. Prior to your visit, check with your insurance company to verify coverage and participation of our provider; otherwise you may be responsible for all or a large portion of your bill.
Bring Your Health Insurance Information
Please bring your complete health insurance information with you to every visit and have it available at check-in. This includes identification, all insurance cards and any authorization forms you may have. We will ask you to sign forms such as a release of information, consent and possibly additional forms depending on the nature of your visit.
Inform Us of Changes
In order for claims to be paid promptly, St. Elizabeth Physicians needs your most up to date information. This would include contact information (address, phone numbers) as well as insurance information. A lack of current information can cause payment delays, insurance denials, and collection balances that may ultimately leave you responsible for payment.
Copayments, Deductibles and Coinsurance
Copayments for physician services and any other outstanding balances are due on the day you receive services. If your insurance requires it, you may also be required to pay an estimated co-insurance or deductible amount related to your care. In many instances, you will be notified prior to your visit of any outstanding balances. This is done to expedite your check-in process and to provide you with more convenient payment options.
If you have any questions regarding your copayments, deductibles, or coinsurance requirements please contact your insurance company.
Collection Policy for Out-of-Pocket Expenses – It is the policy of St. Elizabeth Physicians to collect payment for any out-of-pocket expenses when possible. You may be asked to make payment arrangements for balances due upon arranging an appointment, during your appointment reminder, at check-in or at check-out. If you are unable to pay at that time, you will be transferred to our billing office so that you can arrange a payment plan or financial hardship.
Making Deposits – Some procedures may require you to pay a deposit or pay for the service in full prior to your care.
Authorization of Service – Authorizations are required by most health plans, especially for elective services which may require notification to be sent to your primary care physician. If your services is deemed not medically necessary, is pre-existing, or is just not covered you will be required to pay at time of service.
Consent = Financial Responsibility – The person who consents to medical treatment (the guarantor) will be financially responsible for the bill, including legal guardian of a child.
Payment Options – Your payment due date will be listed on your statement. We accept Cash, Check, Visa, MasterCard, Discover, and American Express.
Payment Plans - As a service to our patients, we offer payment plans for those who are unable to pay their balance in full. To set up a payment plan, please contact our customer service department at 859.344.5555 Monday through Thursday 8:00 a.m. – 5:30 p.m. and Friday 8:00 a.m. – 4 p.m.
Medicare Patients: What to Expect
If you are covered by Medicare Part B, we will submit all claims to them on your behalf. You may be asked a series of questions regarding your status and including other insurance you may have.
When Medicare Does Not Cover a Service – By Medicare guidelines, we are only able to provide services approved as medically necessary. In the event that a service is not covered by Medicare, you will be asked to sign an ABN (Advanced Beneficiary Notice) that makes you financially responsible for the services provided. We will bill you and/or your supplemental insurance for services not covered by Medicare. If neither Medicare nor your supplemental insurance covers these services, you will be responsible for payment.
Financial Assistance or Payment Plans – We can help you apply for financial hardship or set up a payment plan if you anticipate problems in paying your portion of the bill.
You may contact our Customer Service Department at 859-344-5555 or toll free at (877) 687-3303
After Your Visit
Please response promptly to requests that you receive from your insurance company for additional information. These requests must be handled within a timely fashion before payment will be made by your insurance company for outstanding claims.
Calling Us With Billing Questions – If you have any questions regarding your bill(s), please do not hesitate to call our Customer Service department. Our hours are Monday through Thursday 8:00 a.m. – 5:30 p.m. and Friday 8:00 a.m. – 4 p.m. For questions regarding your hospital bill, you may call 859.655.4100.
Who Can Discuss a Bill – Patient Confidentiality is very important to us. Our Customer Service Representatives may only speak with the patient or person designated in writing by the patient to receive the bill(s) on behalf of the patient. If you would like to add or modify this restriction, you can complete a new ACF at any office location as well as print one from our website and mail it to your physician’s office. This form is located via Patient Forms at www.stedocs.com
Have your Statement on Hand – For us to help answer your questions more efficiently, please have a copy of your statement, insurance card(s) and any additional information available.
Mailing Instructions – To ensure that we credit your correct account appropriately, tear off the bottom portion of your bill and mail it in the envelope provided with your statements. If paying by a check please include your guarantor number on the check.