Navigating Medical Billing and Payments With Texas Health Care PLLC

Dealing with medical bills and insurance payments can often feel like a frustrating maze. However, your physician’s office can make the process smoother. At Texas Health Care PLLC, our experienced team aims to provide excellent service when it comes to billing, insurance claims, and managing patient payments. In this article, we’ll cover everything you need to know about billing, insurance, and online payment options with Texas Health Care PLLC.

Accepted Insurance Plans

First, it’s important to verify that your health insurance plan is accepted at Texas Health Care PLLC As a large multi-specialty physician group of over 150 doctors, we participate with many major insurance carriers, including

• Aetna
• Blue Cross Blue Shield of Texas
• Cigna
• UnitedHealthcare
• Humana
• Medicare
• Medicaid plans like Amerigroup, Molina, and Superior
• Numerous commercial PPO plans

Though we accept most major insurance plans, there are some exceptions such as HMO products. Our doctors may also participate individually with certain insurance networks. So it’s always best to call your specific physician’s office to double check that your exact insurance plan is accepted. This will prevent any unnecessary surprise bills.

Our business office keeps our insurance participation list updated on our website. We also verify eligibility and benefits when you schedule your appointment. But plans and networks change frequently, so calling us to confirm is an extra step that pays off.

What to Expect with Billing and Statements

Our business office strives to make the billing and payment process as straightforward as possible Here’s what you can expect

• We’ll bill your insurance directly. After your visit, we submit a claim to your health insurance plan so you don’t have to.

• You’ll receive a monthly statement. This statement outlines your patient responsibility amounts, including any copays, deductibles, or coinsurance. It will show what your insurance paid and any amounts you still owe.

• You’re responsible for paying copays at the time of service. Our front desk will collect any copay required by your insurance plan when you check in for appointments.

• You may receive separate bills for different services. For example, you may get a physician bill for your office visit and a separate facility bill if services like x-rays or lab work were performed. Each claim is billed and stated separately.

• Unpaid balances are due within 30 days. If your statement shows an outstanding balance, we ask that you pay it within 30 days of receiving the statement. We make paying balances fast and easy through online bill pay.

• We can set up payment plans. If you need help paying off a large balance over time, call us to set up an interest-free payment plan that fits your budget.

Keeping up with medical bills can be challenging. But our billing team is available to answer questions, explain charges, and help however we can.

Online Payment Options

For your convenience, Texas Health Care PLLC offers several ways to pay your medical bills online:

• Through your patient portal – Log into your secure online portal to view balances and make one-time or recurring payments on a schedule.

• On our website – Choose the “Make a Payment” link on our website to pay bills for one or multiple accounts without logging in.

• Over the phone – Call our automated payment line anytime to make a payment using your credit, debit, HSA, or FSA card.

Online and phone payments offer a fast and simple way to pay off balances from home or on the go. We accept all major credit and debit cards, as well as HSA and FSA account cards. Payments are processed quickly and can help you avoid accumulating late fees.

Tips for Navigating Medical Bills

Managing healthcare expenses can be complicated, but we’re here to simplify the process as much as possible. Follow these tips and best practices when dealing with medical bills and insurance:

• Ask questions upfront. If you have a high-deductible plan or limited coverage, talk to us ahead of expensive procedures about potential costs and payment options. Don’t hesitate to call our billing department with questions.

• Dispute errors right away. Review statements closely and contact your insurer immediately if you spot any discrepancies or billing mistakes. This can prevent headaches down the road.

• Set up price estimates. If you need to plan for large out-of-pocket costs, ask for a written estimate beforehand so you know what to expect.

• Take advantage of tax-advantaged accounts. Health savings accounts (HSAs) or flexible spending accounts (FSAs) provide tax savings that can help cover healthcare costs.

• Consider payment plan options. An interest-free installment plan makes large balances more manageable and prevents bills from going to collections.

• Automate payments when possible. Set up recurring payments through your patient portal to ensure bills are paid on time every month. One less thing to remember!

• Provide insurance updates. Inform our office immediately if your health insurance plan changes so we can update your account and avoid issues.

Don’t hesitate to reach out to our billing department if you need assistance understanding a bill, facilitating payments, or navigating insurance claims. We know medical costs can be confusing and want to help patients demystify the process. Our team makes it both easy and convenient to manage healthcare expenses with Texas Health Care PLLC.