Helping connect you with the help you need
At Princeton Radiation Oncology (PRO), we understand how difficult cancer can be. We also know caring for cancer can be very expensive. That’s why we work hard every day to make sure you get the most out of your health insurance.
We know dealing with medical bills and insurance companies is not usually easy, even when you’re in the best of health. We will do whatever we can to help you meet any financial challenges.
At PRO we comply with all applicable government laws and regulations. These include the Health Insurance Portability and Accountability Act (HIPAA), which protects your privacy. PRO protects and secures your health information to ensure your information stays confidential. We also have a continuing focus on containing costs and ensuring that our billing practices meet the highest ethical standard.
We will help you explore your insurance coverage and learn about your benefits. We’ll help you understand all of your payment options. We’ll also provide contacts for you with many foundations, societies and organizations that work with cancer patients to get financial aid.
At PRO, we work with most major insurance carriers. As participation varies by region and physician, we also recommend that you contact either our office or your insurance company representative to verify that your insurance plan is accepted. Also, be sure to bring your insurance cards every time you come to the office. And please tell our staff whenever you have a change of insurance.
Learn about deductibles, co-payments and co-insurance:
Out-of-pocket cost information for patients
We are required by law to bill you for the costs that your insurance company considers to be your “patient responsibility.” This includes patients who have Medicare.
Make sure you read your insurance plan documents. They can be hard to understand, so take your time and review them carefully. Talk with us if you have questions. You can also talk with your employer or the insurance company’s customer service representative.
Deductibles, co-payments and co-insurance are important parts of today’s healthcare system. Here is basic information you can use:
Deductibles are the amount of money a patient pays before the insurance company starts paying their portion of a medical claim. For example, if your health insurance policy has a $250 deductible, you will have to pay $250 in covered expenses before the company picks up its portion. Usually, higher deductibles mean that you make a lower monthly payment for your premium.
A co-payment (also called a “co-pay”) is a fixed fee the patient pays to the doctor or medical provider for each visit or service. Co-pays can be $5, $20, $35 or more. The insurance company sets the amount of the fee. You will make co-payments for office visits, emergency room visits, hospital admissions and other medical care.
We accept most major credit cards.
After deductibles are met, the plan begins paying a percentage for your care. Whatever is left over is called “coinsurance.” This amount is paid by the patient.
What does “coordination of benefits” mean?
Sometimes people can be covered under more than one health insurance plan at a time. For example, a person may have Medicare coverage at the same time that their significant other has family coverage from a job. Health insurance companies have set up rules to decide which plan pays first and which plan pays next. This is called “coordination of benefits.”
Here are the basic rules about which plan pays first:
- For your health expenses, your plan pays before your significant other’s plan.
- The plan of the covered person who has the earliest birthday in the year pays first on children.
- If two insurance companies don’t agree on who pays first, the coverage which has been in effect the longest pays first.
You will receive a monthly statement for all charges considered “patient responsibility.” Our policy is that all payments should be made in no more than 90 days. Please contact our billing department if you need special arrangements.
Princeton Radiation Oncology works with you and your insurance company to make sure you get the cancer care you need. Our job is to give you easy access to top-quality, comprehensive, leading edge cancer treatment. At PRO we focus on every patient, individually.
If you have any questions regarding insurance or have financial questions, please call PRO at 609-655-5755.