Billing And Insurance Information
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If your question is not answered here, please do not hesitate to call our billing department at 317-843-2204 ext 2.
We are available to help you with questions or concerns about your bill from 9 AM – 4:00 PM EST. When calling, please have your insurance information and a copy of your bill from Cutaneous and Maxillofacial Pathology Laboratory on hand.
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CAMP Laboratory will file a claim with your medical insurance company as soon as we have all the necessary information. If your doctor has not provided us with your current insurance plan, you will be notified to supply the information in a timely manner. Claims are filed according to the type of insurance you have.
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Medicare:
CAMP Laboratory and its doctors are Medicare providers. In the event that Medicare pays less than the full dollar amount because the policy only pays a percentage of the total cost, the deductible or the co-insurance amount has not been met, or any other reason, you are responsible for paying the difference between the amount paid by Medicare and the full contractually allowed amount.
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Third-Party Insurance Company:
We are participating providers with all major medical insurance companies. Unfortunately, it is difficult for a laboratory to be included in all of the insurance plans available. These include most non-Indiana Medicaid plans and select HMO and PPO plans. If we have a contract with your insurance company, you will be responsible for paying any deductible or co-insurance amount specified by your insurance company. If we are considered out of network, we will be happy to work with you to arrange an equitable payment.
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Secondary and Supplemental Insurance:
If you have insurance policies in addition to your primary coverage and your referring provider has supplied all the necessary information, we will file the claim with your secondary carrier. Please contact our billing department if you receive a bill and believe no claim has been filed with your secondary insurance.
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If You Have No Health Insurance:
You are responsible for paying any bills you receive for services. If you do not have health insurance, we will be happy to help work out a payment plan. Please call our billing department (317-843-2204) to discuss options.
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Explanation of Benefits:
When insurance companies process claims, they send the insured a document called an Explanation of Benefits (EOB). This form summarizes the amount that has been contractually adjusted (written off), payments your insurance policy has made on your behalf and specifies if any outstanding amount is still owed. EOBs are not bills and are intended only to notify you of your insurance company’s actions. You are responsible for paying for our services only if you receive a bill directly from CAMP Laboratory. Please note that select insurance companies only provide us with EOB information if the patient has met their deductible and the insurance company is making payment. If this is the case with your insurance company, we will notify you requesting your EOB information in order to accurately adjust your bill. If this information is not provided, the statement balance will be the patient's responsibility.
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If Your Insurance Company Pays You Directly for Services Performed by CAMP Laboratory:
Please send a copy of your EOB along with your endorsed check from the insurance company to the address on our billing statement. When the funds have been received, we will credit your account and bill you for any outstanding balance.
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If You Have Satisfied Your Annual Deductible and Received a Bill:
Please contact your insurance company, verify your benefits and make sure your claim was processed correctly. If you find your claim was not handled according to your plan’s benefits, work with your insurance company to ensure correct payment of the claim.
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Bills from CAMP Laboratory:
There are a few reasons why you might receive a bill directly from CAMP Laboratory. You may owe a co-pay, deductible or other payment, according to your insurance company. This information will be included on your bill. Alternatively, we may have incomplete or incorrect insurance information, which prevented us from filing a claim for you. Or, we may not have gotten a response from your insurance company. (See EOB above) The bill will then be sent to you requesting additional information in a timely manner. All insurance companies have time limits on filing claims. Once the information is received, we will be happy to refile the claim. If your claim is denied it will be noted on your statement. In this case, the statement balance is the patient's responsibility. Please contact your insurance company if you have questions or concerns about a denial.
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If you have received a bill from our office, your doctor requested our services and you signed an account liability agreement. Often doctors will remove a sample from a patient during an office visit and send it to a dermatopathologist or oral pathologist, a highly trained physician who examines tissue specimens under a microscope, uses the medical information shared by your doctor and consults with him or her as necessary. This personal service and collaboration between your doctor and our pathologists help ensure the most precise, conclusive diagnosis. The pathologist then bills your insurance for this service and sends you a bill in accordance with your health benefit plan design.
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Timing, Billing Information and Disputed Claims
Timing:
It generally takes about 2 months for an insurance company to respond to a claim filed by CAMP Laboratory. Sometimes the response is a request for additional information, which makes the billing process take longer. There may also be a need for additional lab procedures. Therefore, you may receive a bill from us several months after your procedure. We will do everything possible to make this process go as smoothly and quickly as possible and resolve the claim with your insurance carrier before contacting you.
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REASONS FOR DELAY:
If CAMP Laboratory has incorrect or incomplete billing information for your insurance coverage or has not received EOB information from your insurance company, you will receive a bill for the full amount due for services. If you can provide accurate, complete insurance information at that time, we will refile a claim with your insurance company for payment or make the necessary adjustments . To avoid delays, please make sure your doctor has all your correct insurance information. All insurance companies have timely filing guidelines. If not met due to a delay in providing us with the information, the statement balance is the patient's responsibility.
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Disputed Claims:
CAMP Laboratory is not responsible for collecting the insurance claim or negotiating settlements on claims that are subject to any type of dispute. If you believe your insurance company has not processed your claim correctly according to your plan benefits, please work with them to resolve the issue.
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Methods of Payment
CAMP Laboratory accepts payments by check and accepts most credit cards. You may mail your payment, call our billing service (317-843-2204) or pay via the Internet on this site https://obp.payspanhealth.com/CAMPLab Reference your bill for our mailing address and phone number.
