Insurance
Learn More About Insurance Accepted At CTCA: Chat with Us | Email Us
Coping with cancer is more burden than anyone should have to bear. When that burden is compounded with concerns about your health insurance benefits, it can interfere with your ability to do what you need to do most – heal. At CTCA, we strive to heal you in mind, body and spirit. Our Oncology Information Specialists are available around the clock to address your insurance questions and concerns.
Types of Insurance Accepted
CTCA accepts benefits from a variety of insurance providers and plans. To help you better understand your insurance benefits at CTCA, your OIS representative is here to answer your questions and address your concerns.
The Insurance Verification Process at CTCA
Once you contact an Oncology Information Specialist, and you decide that CTCA may be an option for you, the insurance verification process begins. Our insurance verification team will collect your policy information and will contact your insurance company to verify your benefits for you. Once your benefits have been confirmed, our insurance verification representatives will notify your OIS representative, who will contact you.
Your OIS representative will review the coverage benefit levels quoted by your insurance plan, along with other aspects of your plan, including:
- In-network and out-of-network benefits (including inpatient and outpatient benefits your plan covers)
- Amount and frequency of the deductible you are responsible for (if any)
- Percentage of coverage the plan pays after deductible has been met
- Co-pay amount you are responsible for
If for any reason your insurance was denied, your OIS representative will discuss whether you would like us to explore your insurance benefits at another hospital location. If so, our insurance verification representatives will then go back and re-verify your insurance. If you have specific questions concerning your contract with your insurance company, we encourage you to familiarize yourself with your benefit plan and contact your insurance company directly.
Pre-Certification
Most insurance companies will require pre-certification prior to your admission to CTCA. Our staff will attempt to complete the pre-certification process for you (unless your insurance policy states that you must notify them yourself).
Ongoing Support
Each patient who visits one of our hospitals receives individualized attention. Our doctors will recommend tests and a combination of treatments based upon your unique needs. The costs associated with these treatments will be passed along to your insurance company. Throughout your treatment, our representatives will partner with you to assist with any insurance billing and payment related issues.
Next: Scheduling An Appointment
Additional Information
- How much will my medical services cost?
- How do I get a detailed bill for these visits?
- Will my insurance be billed?
- What are my responsibilities?
- Why do I still have a balance if my insurance company pays 100% of reasonable and customary charges?
- What are my payment options?
- Who do I call with questions?
How much will my medical services cost?
The cost of your medical services will depend on the tests and treatments your physician feels are required to adequately diagnose and treat your condition. Any insurance payments we receive will be applied against the cost of services provided to you.
How do I get a detailed bill for these visits?
Itemized statements are available upon request from the Patient Accounts Department. A monthly statement will be automatically sent.
Will my insurance be billed?
Yes, we need your help to do so. When you are registered, please provide the most current and accurate information regarding your insurance. We will make a copy of your insurance card at this time. This will enable us to submit a bill to your insurance carrier in a timely manner. If your insurance carrier has changed since your last visit, please make sure you give the new information to the admissions representative, along with your new insurance card. You are responsible for reporting any changes in your insurance or any other personal information.
CTCA accepts patients insured by a variety of insurance carriers. To gain a better understanding of your insurance benefits and whether care at CTCA is covered, contact an Oncology Information Specialist at 1-800-615-3055. Please note that inpatient and/or outpatient pre-certification is required for most treatment. To avoid possible penalties, you should contact your insurance company to have your treatment/admission pre-certified in advance of any hospital treatment.
What are my responsibilities?
As a courtesy to you, we will file your insurance claim based on the information you provide. Your signature will be required to assign benefits directly to the hospital and physicians. We encourage patients to review their policy so there are no hidden surprises that might occur. We will work closely with you and your insurance company to expedite the process. Unfortunately, we may not always be able to obtain prompt or full payment from your insurance company. If that happens, you will be expected to assist in expediting the claim and resolving any balances due. Should you have any open balances, you may be asked to pay them prior to further treatment.
Why do I still have a balance if my insurance company pays 100% of reasonable and customary charges?
Some insurance companies base payment on the average charges for all hospitals in a given area. This practice does not take into consideration the specialized nature of care at certain facilities managed by Cancer Treatment Centers of America and may not cover the full cost of the care you receive. You may be responsible for any balances. You are encouraged to discuss your coverage with your insurance company prior to treatment.
What are my payment options?
Since patients are financially liable for all medical services received, we offer alternatives for patients to pay their balances. The payment options may include cash, personal check, money order, credit cards and short-term payment plans. We accept Visa, Master Card and Discover.
Who do I call with questions?
Depending on the services provided, you may receive one or more bills. In addition to the hospital's bill, you may receive a bill from Patient First, S.C., CTCA-Professional Corp. of Oklahoma, CTCA-Professional Corp. of Pennsylvania, or CTCA-Professional Corp. of Arizona.
When you are seen at any of our facilities, you are assigned two different Financial Counselors. One will be responsible for your Hospital accounts, the other will responsible for your Physician accounts. If you are unable to reach someone during normal business hours, please leave a detailed message (including your name, account number, a phone number where you can be reached during the day and an address if you are requesting an itemized statement or other information that needs to be mailed to you). We will attempt to return your call the same day or by the end of the next business day.
