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 & correspondences directly to our office. In the event that your insurance carrier mails a payment directly to you, we simply ask that you forward the payment and explanation of benefits to us after endorsing the check and writing “Payable to OSSC” under your signature. Once payment has been received, your account will be adjusted appropriately.
What are the costs associated with health insurance? Most health insurance costs can be divided into three categories:
- Premiums: Most health insurance companies offer several types of plans with varying degrees of coverage. These differences in coverage affect the monthly plan costs, known as premiums. Premiums vary from plan to plan and are up-front costs paid monthly regardless of insurance usage.
- Deductibles: The dollar amount you pay out-of-pocket before your insurance begins to pay is called your deductible. Nothing is paid by your insurance until your deductible has first been met and paid by you. Typically, insurance plans that have higher monthly premiums tend to have lower deductibles, while plans with lower monthly premiums tend to have higher deductibles.
- Copays or Coinsurance: When you visit the doctor, you may be asked to pay either a copay which is a standard flat rate, or coinsurance, which is a percentage of the total allowed amount of the visit. Each insurance carrier has a separate contract and fee schedule. Each plan has specific plan benefits and varies from patient to patient.
Our knowledgeable business office staff 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, please do not hesitate to contact our billing department.