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At Belmond Medical Center we are committed to helping you understand your healthcare bills.
BMC BILLING PROCESS
The billing process begins the day you receive services. Each time you register it is important that you let us know if you carry healthcare insurance and provide us with updated insurance cards. Accurate information will expedite the filing with your insurance company. If this is a work comp claim or accident please inform us at registration.
INSURED INDIVIDUALS
Co-pays are due at each clinic visit. Within 6-8 weeks of your visit, you should receive and explanation of benefits (EOB) from your insurance company. Shortly thereafter you will be receiving a statement from BMC. Please compare the EOB you receive from your insurance company to the "Patient Pay" portion of the statement BMC sent to you. The balance you owe according to your EOB and the balance you owe according to you BMC statement should be equal. If they are different, please contact the business office for assistance.
Please remember it is very important to work with BMC in order for your claim to be processed correctly.
MEDICARE ADVANTAGE (MA) PLANS
Medicare beneficiaries are given the option to receive their Medicare benefits through private health insurance plans, instead of through the traditional Medicare plan (Parts A & B) such as Health Maintenance Organizations (HMO) & Preferred Provider Organizations (PPO).
PRIVATE PAY
Patients whose service will not be filed with insurance are known as "Private Pay" individuals. Payments for services at BMC clinics are due at the time of appointment. For all other services at BMC, "Private Pay" individuals will first receive an itemized bill followed by a monthly statement. These balances are due within 30 days of receiving your statement.
ACCIDENT AND INJURY CLAIMS
These claims are the patient's responsibility, otherwise known as "Private Pay". We will assist you with these claims in any way we can.
BMC UNDERSTANDS HEALTHCARE BILLS ARE TYPICALLY NOT EXPECTED.
If you are unable to pay your balance within 30 days BMC is willing to work with you. Please contact us and let us know you cannot pay the entire balance. We will then be able to come to an agreement for payment terms. If you feel you do not have the means to pay for your healthcare bills BMC has a charity care assistance program. By completing the appropriate paperwork and providing BMC information regarding your financial situation, you may qualify for a discount on your account. Please contact BMC today for more information.
If you have questions or concerns regarding your account with BMC please contact the BMC office.
GLOSSARY OF TERMS
(Following are determined by your individual insurance policy)
Copay: Amount you owe for your doctor visits and other services as specified in your contract.
Deductible: The annual amount that needs to be met for services before your insurance pays on your claim and your co-insurance amount applies.
Co-Insurance: Percentage of bill put towards your personal liability after your annual deductible has been met.
Contractual Adjustments: This is a contracted discount between the insurance company and BMC for certain services.
EOB: The Explanation of Benefits is sent to you and also to BMC stating how payment was decided on your claim.
ABN (Advanced Beneficiary Notice of Non-coverage): This is a form Medicare said medical facilities must use. If you need a test that is non-covered by Medicare the medical facility must inform the patient that it will be non-covered. This is to let you know that you will be responsible for the payment of the test being done that is non-covered.
ADDITIONAL RESOURCES FOR YOUR MEDICAL BILLS IN WRIGHT COUNTY
| Wright County Public Health |
515-532-3461 |
| Wright County Department of Human Services |
515-532-6645 |
| Hawk-I Insurance |
800-257-8563 |
FREQUENTLY ASKED QUESTIONS
Am I able to pay with a credit card?
BMC does accept Discover, MasterCard and Visa.
Why doesn't the copay I make at my visit show up on my statement?
Your visit does not show up on the statement while it is pending with insurance. Payment will show up on your statement once it has been changed to private pay.
Will BMC Pre-certify services or do I?
Although there are some services that BMC will pre-certify, it is best for the patient to contact their own insurance for pre-certification.
How many bills will I receive for my visit?
For most visits you will receive only a statement from BMC. Exceptions are if you require the services of a radiologist, pathologist or surgeon. These professionals send out billings of their own.
Why didn't my insurance pay more on my claims?
Payment depends on your insurance policy and the type of visit you had that day; if you have questions please contact your insurance company.
CONTACT INFORMATION
| Business Office Leader |
641-444-5625 |
| Medicare Insurance Specialist |
641-444-5629 |
| Commercial Insurance Specialist |
641-444-5674
641-444-5619 |
| Blue Cross & Medicaid Billing |
641-444-5630 |
| Patient Account Representative Self Pay & Private Pay Accounts |
641-444-5631 |
OFFICE HOURS
Monday-Friday
8:00am - 5:00pm
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