Financial Counseling Can Ease Cancer’s Burden

Cancer can be a difficult disease to deal with. Yet, sometimes, the disease is only one part of the challenge. For example, patients and families may have to deal with complicated insurance situations. And cancer care can be expensive, even when patients have good insurance. Additionally, the co-pays for cancer treatments like chemotherapy and radiation therapy can be costly. Some say that cancer care has never been more expensive than it is today.

At Regional Cancer Care Associates (RCCA), we’re here to support you through every aspect of your cancer treatment. That’s why we not only focus on giving you the best care, we also work hard to preserve your financial peace of mind.

Our financial advisors make a difference

We’ll start helping you deal with financial and insurance issues by meeting with you privately. We usually schedule a meeting after you’ve talked with your RCCA doctor about your condition.

When we meet with you, one of our trained financial advisors will talk with you about the cost of your cancer treatment. You and the advisor will see what you can expect. We’ll also review your insurance coverage. If your coverage has gaps, the advisor will work with you to find ways to cover the cost. Our financial advisors are experts. We can ease your worries and make your whole financial picture clearer.

Getting the financial help you need

After a careful review of costs and coverage, your advisor will work with you to see if you can get help with your co-financial obligations. He or she may also provide contacts to cancer foundations, societies and organizations that are dedicated to helping cancer patients pay for their care. They can also put you in touch with programs designed to help in other ways.

We’ll help you ease the financial impact of cancer care, whether it’s for you or your loved one. Our goal is to make financial and insurance issues go as smoothly as we can.

Regional Cancer Care Associates — The quality cancer care you need

Regional Cancer Care Associates (RCCA) works hard so you get easy access to our top-quality, comprehensive cancer care. We’re the choice for local, convenient care right in your community. RCCA is one of the nation’s largest cancer care networks — yet we give every patient our full and complete attention. We’ll make sure your care is second to none.

To learn more, or to schedule an appointment, call (844) 346-7222. You can also get in touch by calling the RCCA location nearest you

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.

RCCA Insurance Plans and Policies

At Regional Cancer Care Associates (RCCA), we know cancer and cancer treatment can be a challenge. We also know that dealing with insurance companies can be confusing or even overwhelming. There are so many things to think about: plans, co-pays, co-insurance and deductibles, just to name a few.

We try to be as clear and helpful as we can about these matters. Our goal is to make things easy for you. We will work closely with you to help you understand and get the most from your benefits.

It’s important to 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 speak with your employer or the insurance company’s customer service representative.

Health insurance plans accepted by RCCA

RCCA works 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 if you don’t see your insurance company or plan listed below. 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.

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.

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, 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.

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. 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.

Coinsurance

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.

If you are covered by a plan that has a co-pay (also called a “co-payment”), this amount must be paid at the time of your appointment. We accept most major credit cards.

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.

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 othger 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.

Regional Cancer Care Associates — Getting you the cancer care you need

Regional Cancer Care Associates (RCCA) 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 diagnosis and treatment. At RCCA, we’re one of the nation’s largest cancer care networks — yet we focus on every patient, individually. We deliver care close to your home.

If you have any questions regarding insurance or have financial questions, please call RCCA at (844) 346-7222. You can also schedule an appointment by calling the RCCA location nearest you.