Why did my insurance only pay part of my bill?

You should have received an Explanation of Medical Benefits (EOB) or Explanation of Payment (EOP) from your insurance company, showing how they considered your claim. This EOB/EOP should have a contact telephone number or web site where you can reach your insurance company for questions. Please contact your insurance company or benefits office with questions about denied claims or charges. You may also be required to pay a co-payment, coinsurance, and/or a deductible for your healthcare expenses. Your bill may include charges that you are responsible to pay, such as non-covered items or out-of-pocket expenses.

What is a deductible?

Deductibles are provisions that require the member to accumulate a specific amount of medical bills before benefits are provided.  For example, if a member's policy contains a $500 deductible, the member must accumulate and pay $500 out of pocket before the insurance carrier will pay benefits.  Once the patient has met their deductible, the carrier usually pays a percentage of the bill.  The patient is liable for the unpaid percentage.  Deductibles are yearly, usually starting in January. 

What is a co-insurance?

Co-insurance is a form of cost sharing.  After your deductible has been met, the plan will begin paying a percentage of your bills.  The remaining amount, known as the co-insurance is the portion due by the patient. 

What if there is an error on my bill?

If you have a question about your bill, or believe that it is incorrect, call our billing department at 800-346-5837, press #5

Will you bill my insurance for me? Will you bill my other insurance(s)?

Yes, we will bill your insurance company (primary, secondary, tertiary) for services you incurred as a patient as long as we have your carrier(s) information. It is important to remember, however; that we rely on you for settling your account in full regardless of your insurance coverage. Your insurance policy is an agreement between you and your health insurance carrier.

I keep getting bills from you. Why don't you bill my insurance company?

Our billing department will send you statements 30, 60 and 90 days after the date of service. Please read any correspondence carefully, as it contains important information regarding the status of your account. If you are covered under an insurance policy or another party is responsible for your hospital bill, yet you receive a statement stating that you are responsible for the bill, contact a Billing Specialist at 800-346-5837, press #5. Please be prepared to provide your guarantor number, which you will find at the top left hand portion of your statement, and your insurance information.

Why wasn’t I informed in advance that you are out of network with my insurance carrier although the physician who ordered the test is?

The ordering physician’s office is separate from ECG Scanning & Medical Services, Inc. and each has its own contract with specific insurance carriers.  Our services are different procedures than those of the ordering physician. 

ECG is a participating provider with many insurance carriers however not all.  It is the patient’s responsibility to contact their insurance carrier prior to services being rendered to find out if the servicing provider is in or out of network.

If you have questions concerning whether or not we are participating (in network) provider; please contact your insurance company or call our Billing Department at 800-346-5837, press #5.

What’s the difference between "in network" and "out of network" providers?

Many insurance plans pay different levels of coverage for healthcare services, depending on whether a healthcare provider is considered in network or out of network. The insurance company may pay a higher percentage of the costs for an in network provider. If you choose to receive care from a provider that is out of network, your insurance plan may pay a lower percentage of the costs and you may be responsible for a higher amount of out-of-pocket payment. We recommend checking with your insurance company for the specific requirements of your insurance plan.

I just got a letter from a collection agency. Why?

As part of our normal billing process, we send several statements in attempts to let you know what portion of your bill you are responsible for. We determine that amount after we have received payment or denial of payment from your insurance company. You may receive notice from a collection agency if, after repeated attempts to contact you, we have not heard from you or you have not set up suitable payment arrangements.

I can't pay my whole bill at once. Can I make payment arrangements?

To make payment arrangements, call our billing department at 800-346-5837, press #5 and one of our billing specialists will work with you. 

What if I don’t have insurance?

Please contact our billing department at 800-346-5837; press #5 and a Billing Specialist will be happy to discuss payment arrangement with you.

Whom do I call when I cannot pay my bill?

If you are unable to pay your bill in full at one time, please call our billing department at 800-346-5837, press #5 and we can set a payment plan to help pay your balance.

Do you take credit cards or offer payment plans?

Yes, we accept Mastercard and Visa.

Why did you bill me (or my insurance) when I wore your Cardiac Event Monitor for only one day?

A Cardiac Event Monitoring test is billed in intervals of 30-day increments.  Regardless if you wear the monitor for one day, two weeks, or thirty days it is considered one test and only one test is billed.

Why did you bill me (or my insurance) when I canceled the test?

Your test was not canceled within in the first 24 hours.  You can contact our Client Services (ext. 1217), Payer Services (ext. 1121), or Billing (ext. 1104) Department at 800-346-5837 should you have any additional questions or disputes.

How can I contact someone with billing questions?

Call (888) 346- 5837 and press 5 when prompted. Our billing department is available from 8 a.m.- 4:30 p.m. on Monday, Wednesday & Friday, and from 8:30 a.m.- 1:30 p.m. Tuesday & Thursday. The billing department is closed on holidays.