发现 & 使用健康保险

Health insurance helps you pay for your health care costs. Having insurance can help protect you from high medical costs, and it may help cover expenses if you need unexpected care. It also can make it easier to have routine doctor visits and preventive care. Insurance sometimes helps pay for prescription medicine costs.

金融援助

• Hospital bills your insurance does not completely cover could be discounted for you through our 金融援助.
• You can receive 金融援助 even if you have insurance.

皇冠app Accepts Most Major Health Insurances

It's always best to call your insurance company directly to verify a provider is in-network for your specific insurance plan. The following is a list of the major health insurances we accept. If you don't see your health insurance company listed or your particular plan's product listed, 打电话给保险公司核实一下.

了解你的健康保险

• You are responsible for understanding your insurance benefits.

• Not all services may be covered or paid in full.

• Make sure your policy requirements have been satisfied, and that you or your physician obtain any necessary referral, 预认证或授权.

Provider-Based or Hospital-Based Outpatient Clinics FAQs

Provider-based or Hospital Outpatient Clinic refers to services provided in a hospital outpatient department including a medical office that is clinically and financially integrated with a hospital or hospital system. 病人 benefit from clinical integration because it allows for higher quality and seamlessly coordinated care.   

临床整合的一些好处:

• Medical record integration with the main hospital;
• 获得主要医院的所有服务;
• 主要医院监测和监督;
• Coordination among physicians, clinical staff, and leadership;
• Quality oversight by the Centers for 医疗保险 and Medicaid Services (CMS) accrediting organizations.

Provider-based status is a 医疗保险 status for hospitals and clinics that are clinically integrated and meet other specific CMS requirements. 

什么是基于提供商的计费?

Hospital outpatient departments that have provider-based status bill 医疗保险 and 医疗保险 Advantage (Part C) plans in two parts – one bill for the physician service, and another bill for the hospital/facility resources and services. This billing model is also known as hospital outpatient billing. This billing model is used by many clinically integrated (hospital and medical office) healthcare systems across the nation. The Centers for 医疗保险 and Medicaid Services (CMS) has separate payment programs for provider-based billing and require hospitals to make it clear to patients which healthcare services are part of the hospital (provider-based) and which are not.  

How does provider-based billing affect the billing process?

If you have 医疗保险 or a 医疗保险 Advantage (Part C) plan, your explanation of benefits (EOB) and billing statement(s) for each visit or service will show:

• One charge for the professional services rendered by the provider you see; and
• 设施收费一次, which covers the use of the room and any medical or technical supplies, 设备和支持人员. 

Both charges add up to the same amount that would be charged to a patient without 医疗保险 for the same service.  

Are all patients billed using provider-based billing? 

The requirement to separately list professional services and facility charges for each office visit or service is required by the Centers for 医疗保险 and Medicaid Services (CMS). Only patients with 医疗保险 and 医疗保险 Advantage plans are billed with the separately listed professional service and facility charges. 

其他类股, 比如商业保险公司, do not require charges to be shown and billed separately. 

Will provider-based billing increase the cost of care for 医疗保险 and 医疗保险 Advantage covered patients? 

The cost of care will depend on the particular insurance coverage and services provided. Additional out-of-pocket expenses may be incurred in the provider-based clinic. Insurance benefits may be different for certain outpatient services at a provider-based billing location. Some 医疗保险 patients may be covered by supplemental insurance and may not have to pay more out-of-pocket. 

医疗保险 beneficiaries are responsible for deductibles and co-insurance. These amounts are determined by 医疗保险 and based on the services performed. You will need to review your insurance plan to determine what is covered and what you are responsible for. 

我如何知道诊所是否以提供者为基础?

Provider-based clinics have signage reflecting that the clinic is a department of 皇冠app and indicates you are walking into a department of the Hospital. You may also ask when scheduling your appointment. 

Which 皇冠app locations are provider-based? 

• Anticoagulation Clinic – 康科德家庭医学
• 抗凝门诊-内科
• 皇冠app心脏病科-协和 & 拉科尼亚
• 皇冠app心胸外科
• 皇冠app医疗集团周末访问
• 皇冠app泌尿研究所-协和
• 康科德皮肤病
• 协和内分泌学
• 康科德家庭医学
• 康科德医院耳鼻喉科-康科德 & 拉科尼亚
• 皇冠app妇产科
• 康科德整形外科
• 协和肺科医学
• 协和外科协会
• Epsom家庭医学
• 家庭健康中心-康科德 & Hillsboro / -迪尔岭
• 彭布罗克的家庭医生
• 家谱保健-霍普金顿 & 华纳
• 传染性疾病
• 内科医学
• 康科德医院神经科-康科德
• 佩纳库克家庭医生
• 喜乐街家庭医院
• 康科德医院睡眠中心
• 皇冠app血管外科-协和
• 皇冠app Wound and Hyperbaric Center – Concord