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What you need to know about insurance coverage.
Most insurance companies require the patient to share in the cost of medical care. When your physician prescribes any type of treatment or medication, you should expect to pay a part of the cost. Forms of patient responsibility are usually divided into three groups:
- Deductible - the fixed annual amount that your health plan expects you to pay before your coverage kicks in. Typical deductible amounts are $250, $500, or $1,000, per person or family.
- Co-insurance - the percentage that your insurance does not cover. Traditional plans pay 70% to 90%. Co-insurance is the percentage remaining after your health plan has made their payment.
- Co-payment - an on-going responsibility for the patient to pay. Your plan may require you to pay $10, $15, or $20 for each time you see the physician or are treated by our office.
Many plans offer what is known as an Out of Pocket Maximum. This is an amount that is fixed by your insurance company to insure that you are not required to pay a catastrophic dollar amount from your own pocket. Ask your provider to furnish you with the specific amount as it applies to your policy.
Call for answers
If you have additional questions or concerns, please feel free to call a Patient Financial Counselor at West Michigan Cancer Center at 269-373-0130 or 800-999-9748 (within Michigan), or by e-mail at: pfc@wmcc.org.
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Insurance Information:
Know Your Eligibility
Health Insurance Providers
Additional Benefit Programs
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Breast Cancer Clinic
