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.
RCCA is a participating provider in the following insurance plans:
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 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.
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.