Financial Policies to Help Us Care for You

At Regional Cancer Care Associates (RCCA), 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 also do whatever we can to help you meet any financial challenges.

RCCA follows the laws and regulations

At RCCA, we comply with all applicable government laws and regulations. These include the Health Insurance Portability and Accountability Act (HIPAA), which protects your privacy. RCCA 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.

RCCA health insurance plans and policies

RCCA works with most major insurance carriers. As participation varies by region and physician, we 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. Patients without insurance must be prepared to make a full payment at the time of service.

Make sure you read your insurance plan documents. They can be hard to understand, so take your time and review them carefully. If you have questions, talk with us at RCCA. You can also talk with your employer or the insurance company’s customer service representative.

Learn about deductibles, co-payments and coinsurance

Deductibles, co-payments and coinsurance are important parts of today’s healthcare system. Here is basic information you can use.

Deductibles

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, the patient will have to pay $250 in covered expenses before the insurance company picks up its portion. Usually, higher deductibles mean that you make a lower monthly payment to your premium.

Co-payments

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, as determined by the insurance coverage. Co-pays can be $5, $20, $35 or more. The insurance company sets the amount of the fee. During the course of your care, you may make co-payments for office visits, emergency room visits, hospital admissions and other medical care.

Coinsurance

After deductibles are met, the plan begins paying a percentage for a patient’s care. Whatever is left over is called “coinsurance.” This amount is paid by the patient.

If you are covered by a plan that has a co-pay, this amount must be paid at the time of your RCCA appointment. RCCA accepts most major credit cards. After your visit and payment of your co-pay, RCCA will bill your insurance company. If you are unable to pay the co-pay at the time of your visit, we regret that we will not be able to provide service to you. Your appointment will have to be rescheduled.

Below is a list of the insurance companies and plans we accept. If you don’t see your insurance company or plan listed below, please check with us to see if something has changed.

Participating Provider

RCCA is a participating provider in the following insurance plans:

All States:
Aetna
CIGNA
United Healthcare/Oxford
Medicare
Multiplan/PHCS

New Jersey:
AmeriHealth
Horizon BCBS
MagnaCare
QualCare

Maryland:
CareFirst BCBS

Connecticut:
Anthem
ConnectiCare
Harvard Pilgrim

For Veterans Administration patients

Veterans Administration (VA) patients must have an authorization from the VA before the VA will pay for care at RCCA. If you’re a VA patient, please contact the VA before you schedule an appointment.

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.

Billing for out-of-network insurance

If RCCA does not participate with your insurance company, as a courtesy, we will forward your billing claims to your insurance company at the time of your visit. RCCA will then bill you for any charges not covered by your insurance. The patient will be responsible for this remaining amount.

Responsibility for referrals

If a patient’s insurance requires referrals for care, it’s important to send the referral form to our office before the appointment. If that can’t be done, the patient may also bring the referral form with them to the appointment. The patient can ask RCCA to make a copy of their referral form.

If you have to cancel your appointment

If a patient has to cancel an appointment at RCCA, we ask for notice at least 24 hours in advance. If a patient does not call us to cancel, that will potentially delay the care of other patients who are in need.

RCCA bills patients monthly for any charges not paid by their insurance companies. We require that patients pay any balance due as soon as possible, but within sixty days of the date of the RCCA bill. You can pay RCCA by cash, check, VISA, MasterCard, Discover or AMEX.

If you have questions about insurance, our financial policies or your financial responsibility, you can call us at (844) 346-7222.

Regional Cancer Care Associates — Access to quality cancer care

At Regional Cancer Care Associates (RCCA), we feature the best of modern cancer medicine. Our financial policies are designed to help us deliver the best care we can to you and your loved ones. We focus on you, individually, and work with you and your family to ensure your care is second to none.

For more information, please call (844) 346-7222. You can schedule an appointment by calling the RCCA location nearest you.