font-awesome.min.css Billing & Insurance * Obstetrics And Gynecology Associates, Inc Of Cincinnati Ohio * Financial Arrangements * Fairfield * Liberty Township
 

Billing Department

INSURANCE QUESTIONS?

Financial Arrangements

In order to keep healthcare costs down, we ask for payment at the time of your visit. For your convenience, we accept cash, check, Visa, MasterCard, Discover and American Express.

Fees

Fees for normal obstetric care include prenatal care, vaginal or Caesarean section delivery, and six-week postnatal care following delivery. Extra charges will be assessed for lab results, ultrasound exams, non-stress tests, fetal monitoring, high-risk pregnancy, amniocentesis, and Pap smears or other tests or procedures that may be required.

Surgical fees may vary depending on procedure and global package. There will be additional lab charges for any required pre-operative testing. You will also receive separate bills from the hospital or outpatient facility and other service providers. Please send your payment to the provider.

We understand that sometimes circumstances make it difficult to make payment on a timely basis. If necessary, we can arrange a payment plan for obstetrical or gynecological services. Please contact our insurance department at (513) 221-3800 if an unusual financial problem arises.

Forms

We're only too happy to complete forms for you. The physicians require a payment of $25 for the first form completed. The fee for a second form is $20 and each additional form is $15. Payment is required at the time the forms are submitted. Payment can be made in cash, check, or credit card.

Insurance Claims

As a courtesy, we will initiate a claim to your insurance company on your behalf. Obstetrics & Gynecology Associates works with most major insurance companies, HMOs and PPOs.

Please keep in mind that insurance is a method for patients to be reimbursed for the fees they have paid for medical services. Your insurance coverage is a contract between you and your insurance company, not our office; therefore, you are responsible for full payment of your account when due.

We accept most insurance plans, and as a service to our patients, we will file your insurance claim for you. However, we understand the processing of insurance claims can be confusing. Thus, we encourage our patients to be proactive when it comes to their health insurance benefits. You may obtain benefit information from your employer, your insurance company's web site, or by telephone at the customer service number identified on your insurance card. Perhaps you will find our insurance glossary below helpful as well in decoding your insurance coverage...

Annual Deductible

The amount you must pay for covered health services in a policy year before your insurance carrier will begin paying for non-network benefits in that policy year.

Benefits

Your right to payment for covered health services that are available under your policy. Your right to benefits is subject to the terms, conditions, limitations, and exclusions of the policy, including a certificate of coverage and any attached Riders and Amendments.

Co-Insurance

The amount you are required to pay as a percentage of the total cost of care.

Co-Payment

The amount you are required to pay for certain covered health services. A co-payment may be either a set dollar amount or a percentage of eligible expenses.

Covered Health Services

Those health services provided for the purpose of preventing, diagnosising, or treating sickness, injury, mental illness, substance abuse, or their symptoms.

Covered Person

A Covered Person is either the subscriber or an enrolled dependent. This term applies only while the person is enrolled under the policy.

Dependent

A Dependent is the subscriber's legal spouse or an unmarried dependent child of the subscriber or the subscriber's spouse.

Out-of-Pocket-Maximum

The maximum amount of annual deductible and co-payments you pay every policy year.

Subscriber

A Subscriber is the eligible person who is properly enrolled under the policy. The subscriber is the person (who is not a dependent) on whose behalf the policy is issued to the enrolling group.

If you have questions about insurance, our insurance coordinator will be happy to assist you. Simply call (513) 221-3800 to speak with a member of our insurance department.

Frequently Asked Questions

Do I Need A Referral?

You should check with your insurance company to see if this is a requirement.

What is a Global Fee?

A global fee relates to pregnancy. The global fee consists of 13-15 routine prenatal visits, delivery by your physician at the hospital, and a routine postpartum visit.

Why am I Receiving a Bill for Lab Charges?

Lab work was ordered at the time of your visit. We suggest our patients call the lab to determine if the claim was filed to your insurance company.

Why Did I Receive a Bill From My Physician? It should have been paid by my insurance company.

There are many different circumstances which could apply to this situation. We suggest our patient contact their insurance company to determine how the claim was processed.

Can You Change the Codes? My insurance company denied my claim but states that if the codes were changed my claim would be covered.

The documentation in the chart must correspond to the billed procedure code. This is not a guarantee the claim will be paid.

Can I See the Physician? I do not have insurance coverage.

Yes, you may be seen but the visit must be paid in full at the time of service.

What Forms of Payment Do You Accept?

We accept Visa, Mastercard, Discover, American Express, personal checks, and cash. Payment is expected at the time of service. We also offer payment capability on-line.

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