At Allied Surgical at Summit Medical Group, we understand the complexities of health care insurance and want to help guide you through this process.
As a patient at Allied Surgical, you can expect the highest level of personalized care. In order to deliver that level of care, our physicians have elected to practice as out-of-network providers for private insurance plans. This allows us to spend more time with you, our patient. For those of you on Medicare or Core Source, the insurance plan for Morristown Memorial Hospital employees, Allied Surgical remains an in-network provider.
Our process is simple. We start by submitting your bill to the insurance company. Insurance will pay their portion of the charges. If there is any balance remaining, it will be forwarded to you for payment.
If you have a managed care policy with out-of-network benefits, you will need to meet your deductible first. After that, the policy will pay a percentage of the bill and the balance, or coinsurance, is your responsibility. Those who do not have out-of-network benefits will likely not be covered and should be encouraged to discuss eligibility with the doctors or the staff.
After you have met your yearly maximum out-of-pocket expenditure, the insurance company will reimburse 100% of the usual and customary fee. The deductible, coinsurance and maximum out-of-pocket expenditures vary from policy to policy. Upon request, we are happy to assist you in obtaining a predetermination of cost from your insurance company. If you are unsure whether your insurance plan provides out-of-network benefits, please call our billing office for assistance.
Importantly, our group has made a conscientious and concerted effort to set our fees within the usual and customary rates for this geographic area. Fees have been derived using national publications that report on these figures in different geographic locations.
Allied Surgical also offers several financial assistance programs if help is needed. We feel strongly that no patient should forego necessary medical care for financial reasons alone. Our physicians, and billing office, are available to speak with patients. If you receive a bill and have a concern please contact our office immediately to discuss the situation.