Insurance and Financial Counselors
At WVCI, we have several payment options. Although we contract with a variety of managed healthcare plans and insurance companies, we want to be sensitive to our patients. We have financial counselors available to work through individual financial situations.
Our patient account services focus on coordinating the financial aspects of your cancer care.
At your initial visit, please bring insurance cards for your primary and any supplemental insurance coverage. Our receptionist will register you as a patient when you check-in at the front desk.
You will also meet with a Financial Counselor, who works closely with private insurance companies, Medicare, and Medicaid. Your Financial Counselor will review cost estimates, set up payment arrangements, assist you in applying for any financial assistance programs that you may qualify for, and answer any questions. Be sure to talk with your Financial Counselor about whether your health plan requires pre-certification for diagnostic testing, outpatient care, or hospital admission.
We will make every effort to help you coordinate your insurance and financial matters. We file your insurance claims for you, so it’s crucial that you inform us of any insurance changes.
Accepted insurance plans
We are contracted with most major insurers, including Medicare and Medicaid. Please contact our office to verify our cancer care providers are participating with your health plan.
Co-payments and deductibles
We are required by Medicare and insurance companies to collect appropriate copays and deductibles. Please speak with your financial counselor if you have any questions about this requirement.
Your financial counselor will need to know if you are covered by a health maintenance organization (HMO), preferred provider organization (PPO), or another managed-care plan. We will verify the conditions of your insurance coverage and confirm our participation in your plan before treatment begins.
Some insurance plans require prior approval of hospitalizations, referrals, or procedures. This is usually a requirement in managed-care coverage.
Your financial counselor will send the insurer the necessary information. We want to ensure that all approvals are in place so that you receive the maximum payment from your insurance to decrease your out-of-pocket expense.
Communicate with your carrier
Contact your insurance provider to inform them of your diagnosis and to learn more about your coverage.
Questions to ask your insurance company:
- Is preapproval needed for hospital admissions, diagnostic tests, or scans? If so, what’s the procedure?
- What rules or guidelines are there for getting a second opinion?
- What is the procedure for filing claims?
- What deductibles must be met before the insurance begins paying claims, including those for prescriptions and lab work?
- Does my insurance policy have limits on what they will pay for surgery, chemotherapy, or radiation therapy?
- Does my policy cover new treatments or participation in clinical trials? If so, are there any limits or limitations?
Questions about your account?
Call Monday through Friday, 8 a.m. to 5 p.m. at 541-683-5001.