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1.
Will I be expected to pay for my exam at the time of service?
2. How would I know if my insurance requires pre-certification
or a referral?
3. Will Hackensack Radiology Group (HRG) “accept assignment”?
4. How much does my exam cost and how much will I be responsible
for?
5. I received a notice from my insurance carrier referencing
my charges at HRG. Is this a bill?
6. I do not see my insurance plan listed as a plan with
which HRG participates. What are my options?
7. What if I do not have insurance, are payment plans available?
1. Will
I be expected to pay for my exam at the time of service?
HRG will submit a claim to your insurance carrier
on your behalf; therefore, payment is not due at the time of service. You
will be billed for any co-insurance or deductible as indicated by your insurance
carrier. Co-pays are collected at the time of service. Patients should contact
their insurance carriers for specific details about their co-insurance or
deductibles as this information varies per plan and per patient.
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2. How would I know if my insurance requires pre-certification
or a referral?
More and more carriers are requiring that
prior authorization be obtained for imaging studies. If you
have already scheduled an appointment with us, our pre-certification
team will research your insurance plan’s requirements
for prior authorization. If you do not have an appointment yet,
contact our pre-certification team at 201.288.9191, select option
“2” or email us at precert@hrgimaging.com
or precert@ncimaging.com.
Otherwise, we recommend that you contact your insurance carrier
directly to obtain this information prior to your appointment.
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3. Will Hackensack Radiology Group (HRG) “accept
assignment”?
Many patients can be easily misled by the term “accept
assignment”. It might seem as though the provider (HRG) would be accepting
the insurance carrier’s payment as payment in full and not balance
bill the patient. This is not what it means to accept assignment. By signing
as a participating provider, HRG accepts a fee schedule for procedures performed.
By being a participating provider, the charges submitted by HRG are usually
paid at a negotiated, reduced rate. To accept assignment is to accept the
reduced rate and not charge the patient for the difference between the original
charge and the reduced rate. Patients are however, always responsible for
co-insurance, deductibles, co-pays or any amount otherwise not covered by
their carrier, if the carrier says the patient is responsible. To not bill
a patient for the balance determined by their insurance carrier, would be
unlawful.
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4. How much does my exam cost and how much will I be
responsible for?
Our fees vary by type of exam and by whether
or not contrast is used. If you would like to know the fee for
a specific exam, you may contact our billing company for this
information at 800.650.1304. Your responsibility toward the
charges varies based on your insurance plan. You will be responsible
for any co-insurance, deductible or co-pay as indicated by your
insurance carrier. The exact amount you may owe may vary based
on our contract with your carrier. See insurance lists above
to determine if we participate with your plan.
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5. I received a notice from my insurance carrier referencing
my charges at HRG. Is this a bill?
What you probably received is an EOB (explanation
of benefits). Review that document carefully as it usually states
what, if any, responsibility you have toward our charges. This
is not a bill. If you would like assistance in interpreting
this document, please call our billing department at 800.650.1304.
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6. I do not see my insurance plan listed as a plan with
which HRG participates. What are my options?
Even if you do not see your plan listed
as one that is accepted by HRG, you most likely can have your
exam at our office. If your insurance plan allows you to go
out of network, you may schedule your appointment at any of
our locations. You must be aware that when using your out of
network benefits, you may be subject to a deductible or a higher
co-insurance than if you were to utilize your in-network benefits.
As we are frequently updating our list of accepted insurance
carriers, you should check back with us often for newly added
plans.
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7. What if I do not have insurance, are payment plans
available?
HRG will work with you to develop a suitable
payment plan. When booking your appointment, ask to speak with
a Supervisor to discuss payment arrangements.
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