Frequently Asked Questions
Q: Why do I have more than one bill for some of my services?
A: If you are seen at your doctor’s office, you will receive a separate bill from your doctor. If you are seen by a provider from one of the St. Joseph Physician Practices, you will receive a bill from St. Joseph Ambulatory Care for the visit. If you are seen in the hospital or have lab work done at the doctor’s office, you will receive a bill from St. Joseph Healthcare. You may also receive a bill from an outside provider, such as the radiologist who reads your CT scan or X-ray, or an outside laboratory that processes a specimen.
Q: Why do I have a co-payment?
A: Your insurance company and your individual policy determine your co-payment amount. Because of the variation in insurance policies, any questions regarding this amount should be directed to your insurance company directly.
Q: What is the difference between Medicare Part A coverage and Medicare Part B coverage?
A: Medicare Part A coverage covers inpatient hospital charges only. Medicare Part B covers outpatient charges such as doctor’s office charges, laboratory, and radiology charges.
Q: Why do I receive so much correspondence after my hospital/doctor’s office visit?
A: In addition to the hospital bill, most insurance companies send out an Explanation of Benefits. This letter explains which services were billed to the insurance company as well as what the insurance company has covered and what you are expected to pay for. This is done to help you understand what your insurance company will cover and ensure that the correct services were billed to the insurance company.
Glossary of Medical Insurance Terms
Coinsurance - The amount you are required to pay for medical care in a fee-for-service plan after you have met your deductible. The coinsurance rate is usually expressed as a percentage. For example if the insurance company pays 80 percent of the claim, you pay 20 percent.
Coordination of Benefits - A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
Co-payment - Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
Covered expenses - Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
Deductible - The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
Exclusions - Specific conditions or circumstances for which the policy will not provide benefits.
HMO - (Health Maintenance Organization) - Prepaid health plans. You pay a monthly premium and the HMO covers you doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
Managed Care - Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
Maximum Out-of-Pocket - The most money you will be required to pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
Non-cancelable Policy - A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
PPO - (Preferred Provider Organization) - A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use the other doctors, but at a higher cost.
Pre-Authorization - Permission granted by the insurance company for certain services to be covered. This request is made by your doctor’s office, in most cases prior to services being rendered.
Pre-existing Condition - A health problem that existed before the date your insurance became effective.
Premium - The amount you or your employer pays in exchange for insurance coverage.
Primary Care Doctor - Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnosis and treats minor health problems, and refers you to specialists if another level of care is needed.
Provider - Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
Referral - A request for additional care, usually to see a specialist, made by your Primary Care Doctor.
Third-Party Payer - Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.