Insured patients may contact our financial counselors to discuss your specific plan coverage and prospective services.  We will estimate your co-pay and deductibles based on verification from your insurance carrier.

Prior to your services

Insurance plans differ widely as to what services they will pay for, and how much they will pay even if a service is covered.  Your doctor may be able to help explain what tests or hospital services would be covered by your insurance. Your insurance plan can give you specific answers. Because insurance plan rules change so frequently, CAMC is not able to tell you what your insurance plan will, or will not, cover.

If your physician orders a procedure, test or service that your insurance (including Medicare) most likely will not cover, you will be asked to sign an advance beneficiary notice (ABN). The ABN is intended to inform you, in advance of receiving the service, that your insurance plan is not likely to pay for the procedure or service. By signing the ABN, you are indicating that you understand and agree to be personally and fully responsible for payment should your insurer deny payment for the procedure or service.

You can either choose to receive the services and agree to be financially responsible for them; or you can refuse the test or services. If you refuse the services, you will also be asked to sign a form indicating you have elected not to have the service.