Although finances are probably the last thing on your mind at this time, we want to provide you with information about billing and insurance to help make your visits to the Cancer Center of East Alabama go more smoothly.
The Cancer Center of East Alabama Medical Center participates with Medicare, Medicaid, Tricare, Blue Cross Blue Shield, United Healthcare, and other private insurances and managed care plans. It is important to verify that your insurance covers your services at East Alabama Medical Center. If you have questions regarding the various plans in which we participate (in-network or out-of-network), please call us at 334-528-1275.
Some insurance plans have “per visit” co-payments, annual deductibles or lifetime or annual limits. Separate co-payments may be required for your doctor or professional services and for technical services such as laboratory tests, x-rays, radiation treatments or chemotherapy. All costs not covered by your insurance company are your responsibility and due at the time of service.
Primary and Secondary Insurance Coverage
If you are covered by more than one insurance program, it is important that you let us know. Remember to carry all of your insurance identification cards with you when coming for your healthcare visit. We will file on both primary and secondary insurances.
Managed Care Plans - HMO, PPO or POS
Managed care plans often require you to use specific physicians, facilities and/or ancillary services. They frequently require you to pay co-payments and obtain referrals from your Primary Care Physician before receiving healthcare services.
Some insurance plans have "per visit" co-payments, annual deductibles or lifetime or annual limits. Separate co-payments may be required for your doctor or professional services and for technical services such as laboratory tests, x-rays, radiation treatments or chemotherapy. All costs not covered by your insurance company are your responsibility and due at the time of service.
The Role of Your Primary Care Physician (PCP)
The PCP often plays an important role in managing your care. He or she may issue referrals, suggest further tests and coordinate your care with your physician at the Cancer Center. Be sure to let your PCP know that you are coming to the Cancer Center.
A referral is a specific direction or instruction from your PCP that which directs you to a participating provider for medically necessary care. Most of the physicians at the Cancer Center of East Alabama Medical Center are considered specialists and may require a referral from your primary care physician. You, as the patient, are responsible for obtaining additional referrals as required.
If your insurance plan is a Health Maintenance Organization (HMO), you are usually required to:
Pre-authorization from Your Insurance Company
Certain services and/or procedures may require pre-authorization from your insurance company. The required pre-certification or authorization must be obtained from your insurance provider before the start of treatment. This may take several days to obtain for your specific treatment and will need to take place at the onset of treatment, and anytime your treatment plan changes in the future. If a physician at the Cancer Center suggests a procedure that requires pre-authorization, our staff will work with your insurance company to obtain the necessary authorizations.
If you do not have insurance coverage, payment is expected at the time of service. A prompt payment discount of 45% is given when full payment is made at the time of service. Payment can be made by cash, check or credit card. If you need to speak with a financial counselor, you may call 334-528-1275.
There are special programs in place to assist those who are not insured and those who are underinsured. When you come to the Cancer Center for your consultation or treatment, you will meet with one of our social workers. The social worker will work with you to identify the appropriate resources to suit your needs. These resources may include drug replacement, medication assistance, eligibility review for assistance programs, etc.