Insurance and Billing
The following information will help minimize confusion regarding billing and payment requirements.
Payment Policy and Billing
Payment for services or your co-pay is due at your visit unless arrangements have been made in advance. If insurance information is available before your visit, Sterling Surgical Hospital will file your claim. Then, we will only collect the deductible, co-pay, or other amount for which the patient is responsible. If insurance information is not available, we will provide a copy of your bill to file with your insurance carrier for reimbursement.
Methods of Payment
We accept cash, check, credit cards (Visa, MasterCard, & Discover), debit cards, and money orders.
Sterling Surgical Hospital is a provider for Medicare and a number of major insurance plans. We also provide insurance billing, and will gladly assist in filing a claim with your insurance company. Before we bill you, we bill your insurance provider, including Medicare, and any secondary insurance providers. During this billing process, you will receive monthly billing statements so you are aware of any insurance activity. The statement will show that the balance is pending with insurance payment. We bill all insurances and will verify your current coverage at each visit. Please bring your current insurance card to each visit. If we are unable to verify your insurance, you may be listed as self-pay, which requires payment in full for the service.
You may receive multiple bills for the visit depending on the services provided. For example, bills for lab testing will be separate from the physician’s bill.
Referrals and Authorizations
Many insurance plans require that your primary care physician provide a referral. Each plan is different, and it is your responsibility to know the requirements for your plan. We are happy to help you get a referral but you may be responsible for payment, or the appointment may need to be rescheduled if the referral is not received. Most insurance companies also require prior authorization for specific services, including some procedures or some medications. We will work with your insurance company to get authorization; however, the process can take up to 10 business days. We may need to reschedule your appointment until authorization is provided.
Cancellations for your surgical procedure are coordinated through your physician’s office. If you have to cancel your surgery, please contact your physician’s office, and his or her staff will coordinate with our team here at Sterling Surgical Hospital to assure the proper steps are followed.