
We had been told that we were fully credentialled with Humana as of January 1, 2009 and have been seeing patients. On Friday January 6 we found out that we are actually not yet an in-network provider for Humana.
Needless to say, this was not good news. Here is how it will impact those patients we have already seen and what we will do until we are truly in-network.
1. For patients with out-of-network benefits, we will accept Humana's out-of-network reimbursement for care that has already been provided.
2. For patients without out-of-network benefits (meaning Humana will reimburse our practice nothing at all for your care) we will reduce your bill to a portion that you will be responsible for.
We are truly sorry that this miscommunication has occurred. We try hard to be able to provide our patients with as much information as possible regarding their insurance coverage and responsibility for the cost of their health care.
Having insurance is not a guarantee that your health care will be fully covered. We file claims with your insurance company as a courtesy but ultimately the patient is responsible for the charges incurred. In this case, because we incorrectly told our Humana patients that we were in-network we will accept reduced rates of reimbursement.
We are not able to provide care free of charge, however. When you get a statement from Humana, please feel to contact us to find out the amount you should pay. We will advise our billing company of the change as well.
Health insurance has changed so much over time. Many of us remember small office visit copays, free prescriptions and low premiums to pay. Now everything is more expensive and more of the cost is being passed on to the patient. Doctors are being reimbursed less, sometimes even less than the actual cost of providing care. This is one reason why some doctors do not accept particular insurance plans.
When you call for an appointment, our receptionist will ask you what insurance coverage you have. This is not meant to sound "greedy" but rather to help make sure you know what your responsibility will be for your care. Another way to check if a particular doctor is participating in your plan is to call your insurance company and ask. Many insurance companies have websites you can access from home to find participating providers as well.
We'll let everyone know when we are TRULY in-network with Humana just as soon as it happens.
Stay warm and safe, only 42 days left until Spring!





