EOB stands for Estimate of Benefits. This is a statement of payment or denial that is sent to you and to Bethany. If a denial is listed you claim has not been paid and requires your attention.
COB stands for Coordination of Benefits. COB means your insurer believes another insurer is responsible for payment of your claim. It is common for insurance companies to deny claims for the reason. It is your responsibilty to contact your insurance to clear up any confusion on COB.
Pre-existing means that your insurance company believes this a problem that you had prior to starting your insurance and is not covered by your policy. It is your responsibilty to contact your insurance to clear up any pre-existing illnesses they may have on their files. Bethany is unable to do this for you.
What does it mean when my insurance request my student status?
Insurance companies cover students different than other types of patients. This is a common denial reason used by many insurance to delay payment of your claim. It is your responsibilty to contact your insurance provider to either confirm or deny your status as a student.
I need help understanding my bill
Answer: If you need help understanding your bill, contact the Billing Department at contactbilling@bethanymedicalcenter.com
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I received a billing statement. How do I know my insurance company paid its portion?
Answer: Any reimbursement from your insurance carrier will be reflected on your statement. In addition, many insurance carriers send an explanation of benefits to their subscribers which details how their medical claim was processed. If you have questions about your insurance payment, please call your insurance company directly. The phone number is usually printed on the back of your insurance card.
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What payment options are available?
Answer: Bethany Medical Center expects payment at the time services are rendered. Co-pays, co-insurance, deductibles and fees for non-covered services are expected at the time of your service. If you are unsure of your co-pay responsibilities, please look at your insurance card, or call your insurance company. For your convenience we accept cash, personal checks, Visa, and MasterCard,
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What to do before you need Care
Answer: We encourage you to become familiar with the terms and conditions of your health insurance coverage and review any changes each year. Understanding your insurance coverage can help you avoid unnecessary bills.
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What to do if you are disputing your bill
Answer: Please notify us if you think your bill is inaccurate.
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Why am I getting a bill now, when services were provided so long ago?
Answer: Once a response is received from your insurance carrier, and we have confirmed that there is additional patient liability, we will bill the patient or guarantor. This process is dependent on when we receive a response from the insurance carrier though, and sometimes it takes a while. In addition, insurance carriers often request additional information (for example, accident details) that could delay the processing of your claim.
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Why didn't my insurance carrier pay for the services?
Answer: To obtain a clear understanding of your benefits and any limitations of your insurance coverage, it's best to contact your insurance carrier directly. They can explain how your claim was processed and/or why it was denied.
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Will my insurance company be billed?
Answer: Bethany Medical Center will submit bills to your insurance company when complete information is supplied. Please remember that your policy is a contract between you and your insurance company, and you have the final responsibility for payment of your hospital bill. If your insurance company does not pay within 45 days of billing, please contact them to resolve the delay. Secondary insurance is billed after the primary (or first) insurance has paid.
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