Insurance
Claims / Payment Policy
Thank you for choosing The Pain Institute to help serve your
health care needs. We are committed to providing you with
the best possible care; and we also want to assure that you
fully understand your rights and responsibilities as our patient.
Please
take a few minutes to read the following important information.
If you have additional questions about our fees or your financial
obligations, please talk to us; we are always happy to help.
About
your statement
Regardless of your insurance situation, you will receive a
monthly statement of your account, summarizing the insurance
billing process. Please review the instructions that will
be with your statement of account for further explanation.
Please note that, like hospitals and other outpatient health
care centers, the Louisville location of The Pain Institute
charges for use of our facilities separately from any charges
for provider's services. That means you will receive one statement
showing The Pain Institute charges, and another reflecting
fees for provider's services.Insured patients
If you are seen at The Pain Institute's outpatient facility,
we will file claims with your insurance company as a courtesy
to you. However, if the insurance company does not pay the
account within three months, you will be responsible for payment,
or for assisting us in resolving your account with the insurance
company. We provide services to you, our patient; and you
are ultimately responsible for payment to us. An insurance
policy is a contract between you and your insurance company.We
are not a party to the contract; and we cannot control coverage
decisions. Denial of payment by your insurance company does
not relieve you of responsibility for your health care costs.
Uninsured
or non-covered
If you do not have insurance, or if your insurance plan does
not cover treatment at The Pain Institute, you will be responsible
for payment at the time of that determination. For your convenience,
we accept MasterCard and Visa. Under some circumstances, a
monthly payment plan can be arranged; refer to the "Convenient
Monthly Payments" section below for more information.
Insurance
Requirements
Remember to bring your insurance identification card on your
first visit. If the policy is in the name of your spouse or
another family member, please tell us that.
The physicians of The Pain Institute are specialists, providing
specialized services. We accept Medicare and most private
insurance plans, and we participate in many plans' provider
networks. Other plans sometimes grant us in-network benefits
because of our specialized services. However, each insurance
plan has its own restrictions and requirements.
We strongly recommend that you review your insurance policy
or call your company ahead of time, to be sure that your treatment
will be covered, and to find out whether your plan has any
special requirements. You may also call our office and ask
for the pre-certification department, or e-mail us at pre-cert@thepaininstitute.com,
and we will be happy to help.
Fee-for-Service (Standard) Insurance
These plans may pay all or part of your costs, depending upon
your contract. You will be responsible for any co-insurance
amount (usually a percentage of the cost), as well as any
deductible (the amount which must be paid before benefits
begin).
If The Pain Institute's services are not covered by your plan,
you will be responsible for all costs.
HMO/PPO Plans
If you are a member of an HMO (health maintenance organization)
or PPO (preferred provider organization), your plan probably
requires you to receive care from physicians in the plan network.
If you visit a non-network physician, you may be responsible
for a higher copayment or larger portion of the cost. Ask
your plan, or call our office to find out if The Pain Institute
participates in your plan's network or qualifies for in-network
benefits due to our specialty situation.
As an HMO or PPO member, you may also be required to obtain
an authorization or a referral from your primary care doctor.
Be sure to bring this form with you. You may also be responsible
for a copayment at the time of service.
Medicare and Medicare Supplement Plans
If you are covered by Medicare, you are responsible for the
annual Part B deductible and 20% of the costs. A Medicare
supplement insurance plan may cover these costs. If you have
a Medicare supplement, we will file the claim with your insurance
company; but as with any insurance, you will be responsible
for non-covered costs. In addition, some supplements, such
as Medicare Select plans, may require you to use network doctors.
Be sure to find out about your plan's requirements ahead of
time.
Convenient Monthly Payments
Under some circumstances, we can help you set up a convenient
and affordable payment plan. With the reputable TeleCheck
Recurring Payment system, payments are made automatically
from your checking account each month. With no need to write
checks, buy postage stamps, and mail payments, your life is
simpler and easier. The service is completely safe and confidential
and there is no extra charge.
Just ask our office for an explanatory brochure and enrollment
form.
We are happy to have you as a patient, and look forward to
providing services that can help make your life more comfortable.
If at any time you have questions or concerns, about your
care or your financial obligations, please talk to us. We're
here to help.
Be sure to check out the "Insurance We Accept" page.
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