Health insurance is an agreement between you and an insurance company of your choosing. At Outpatient Surgical Specialties Center, we make every attempt to verify benefits and contact our patients with an estimated patient responsibility prior to the date of service. If the procedure being performed is not considered cosmetic in nature & the patient chooses to file their health insurance, OSSC will submit the facility claim to your insurance carrier. Estimated patient responsibility is required as a deposit on or before the date of service.
Under most circumstances, your insurance carrier will mail payments and correspondence directly to our office. If these are sent to you, kindly forward them to us along with an explanation of the benefits after endorsing the check and writing “Payable to OSSC” under your signature. Once we receive the payment, your account will be adjusted accordingly.
The costs associated with health insurance plans can be divided into three categories. Here’s what you need to know:
- Premiums: Most health insurance companies offer different types of plans with varying degrees of coverage, which affect the monthly plan fees called premiums. These are up-front costs regardless of insurance usage.
- Deductibles: The dollar amount you pay out-of-pocket before your insurance begins to pay is called your deductible. Until this has been met and paid, nothing will be covered by your insurance. Typically, insurance plans with higher premiums tend to have lower deductibles, while those with lower monthly costs go higher.
- Copays or Coinsurance: When visiting a doctor, you may be asked for a copay— a standard flat rate, or coinsurance— a percentage of the total allowed amount of the visit. Each insurance carrier has a separate contract and fee schedule for this. Moreover, each plan has specific benefits per patient.
Our knowledgeable business office staff at OSSC will do their best to explain the coverage of your specific insurance plan and how your deposit is calculated based on those benefits. If you have any questions about your health insurance in Omaha, NE, don’t hesitate to contact our billing department.