Beacon Orthopedics accepts most major insurance plans, including Medicare, Medicaid, Anthem BCBS and United Healthcare. They also accept many employer-sponsored plans, such as Humana, Cigna and Aetna. Patients should contact Beacon Orthopedics directly to discuss specific plan availability or any questions related to accepted forms of insurance.
Contents:
I. Types of Insurance Accepted
Beacon Orthopedics prides itself on providing quality orthopedic care to its patients and has multiple insurance providers accepted. To further facilitate access for everyone, Beacon Orthopedics works with all major medical health plans. Insurance coverage varies depending on your individual provider, but common plans Beacon Orthopedics takes include Medicare, Medicaid, Blue Cross and Blue Shield plans, CIGNA Health Care, United Healthcare/Optumhealth Care Plans, along with many more.
Although each plan may have slight variations in terms of what is covered specifically under the patient’s personal policy or plan–it’s best to always double-check before beginning a treatment at Beacon Orthopedics–the office provides a wide variety of services that are typically covered by most insurance plans including office visits to determine diagnosis as well as specialized treatments like physical therapy and injections. In some cases if requested by the insurance company – pre-authorizations can be obtained.
Another way Beacon Orthopedics makes it easier for its patients is they provide an online portal where you can ask questions directly to their billing specialists and track prior claims payments quickly; meaning you don’t have to wait long lines in order to get information about your payments regarding certain procedures done at the facility.
II. Insurance Coverage Varies Depending on Plan Type
When it comes to seeking reimbursement for medical services, there are a myriad of insurance plans that could be applicable. However, coverage depends on the type of plan one has purchased from their insurer. Beacon Orthopedics accepts various forms of private insurance including PPO and HMO Plans in addition to Medicaid and Medicare insurance policies.
While both PPO and HMO Plans may cover some aspects of orthopedic treatments such as braces or x-rays, the level of coverage may vary drastically between them and whether or not those costs are fully reimbursed by the insurer is uncertain until a claim is submitted. Therefore, when researching which plan best meets ones needs it is important to ensure that all pertinent information about their coverage – including which doctors they accept – can be found.
Likewise, while Medicaid provides health care benefits to eligible individuals and families who meet specific income criteria, these benefits will likely differ substantially depending on the state in which one resides as each state administers its own Medicaid program according to established laws within that area. Further, out-of-pocket expenses associated with any procedure should also be taken into account when searching for an appropriate healthcare provider. Similarly, Medicare assists citizens over 65 years old but only provides certain types of coverage so it pays to review their options carefully before making any decisions with regards to pursuing treatment through Beacon Orthopedics.
III. Out-of-Network Benefits
Beacon Orthopedics understands that insurance coverage may not always be available in-network. For those times, the organization offers out-of-network benefits to its patients. Out-of-network claims for procedures like MRI scans and therapeutic injections are handled by Beacon’s Patient Accounts Department so that patients do not have to navigate the sometimes complicated process themselves. All out of network services have been approved by a contracted third party in order to provide ease of use for every patient experience.
No matter where a procedure is provided, Beacon Orthopedics strives to provide clear communication about what is covered under each type of insurance plan and make sure that costs are always kept as low as possible. A team of financial counselors work with all out-of-network providers so there’s one point of contact throughout the entire care journey, keeping everyone informed and on track with their payment plans or deductibles. They will help individuals estimate potential out of pocket expenses prior to any treatment if necessary.
Patients should note however that some out-of-network claims might take longer than expected since they require more paperwork processing and review from both insurers and third parties alike. As long as reimbursement requests adhere to an insurer’s policies, Beacon Orthopedics will work diligently on behalf of their patients with applicable carriers to pursue settlement for whatever service is required for their overall health needs and goals.
IV. What to Do If Insurance Is Not Accepted
If you’ve come to Beacon Orthopedics, but your insurance is not accepted, all is not lost. The team of medical professionals at Beacon are committed to making sure every patient receives the best possible care. They understand that orthopedic problems can cause serious difficulties for many individuals and families, and will work hard to make treatment options more affordable.
One way they can do this is by offering payment plans tailored to individual needs. If Beacon Orthopedics does not accept the type of insurance a patient has, speaking with their billing team about alternate payment plans may be a worthwhile pursuit. This could include things like spreading payments out over multiple months or setting up an installment agreement similar to those offered by credit card companies when customers cannot afford all the costs up front.
Other than that, one option could be seeking assistance from outside funding sources if a person qualifies financially; these might take the form of community healthcare programs, sliding-scale fees or charity services offering discounted rates in certain cases. It never hurts to ask what other financial resources may be available.
V. Private Pay Options
For patients of Beacon Orthopedics who do not have insurance, or those with plans that don’t cover the full cost of treatments, the practice provides private pay options. Private Pay allows customers to finance their bills so that they can manage their payments in a way that works best for them. Patients can take advantage of several payment installment options, with some programs allowing up to 18 months to pay off medical costs without incurring additional interest rates or late fees.
Beacon Orthopedics also offers an in-house financing program with no credit checks required. This loan program is designed specifically for patients and offers competitive interest rates and customized repayment plans tailored to individual budgets. Customers can also take advantage of free budget planning sessions to discuss what their specific financial needs are during this time and how they will be able to get the treatment they need while staying within their means.
The practice has teamed up with CareCredit and Synchrony Financial – two leading providers of healthcare financing solutions – so customers can access discounts on certain procedures from health care providers across United States if eligible. These partner companies offer flexible payment terms as well as exclusive promotions for qualifying applicants and much more at no extra cost.
VI. Exploring Payment Plans
Exploring payment plans can be an important part of selecting an orthopedic practice. Beacon Orthopedics takes pride in offering multiple ways to pay for their services. Besides the traditional out-of-pocket options such as cash, check or credit card, they offer various financing and insurance options.
The staff at Beacon Orthopedics are knowledgeable and experienced when it comes to helping patients understand their financial responsibilities and what insurances they take. The primary health insurances accepted by them include Blue Cross/Blue Shield, Aetna, United Healthcare and Medicare. As well as commercial HMO’s such as Cigna, Humana Choice Care PPO’s among others. Depending on your coverage each plan has a different deductible which will determine how much you need to pay up front for treatment before any amount is applied from your insurance provider.
For those who are not able to make full payment upfront other payment plans can be arranged through Care Credit or Springstone Patient Financing both with no interest if paid within 6 months (depending on credit score). There are some facilities that may also offer discounts for certain procedures if paying out-of-pocket so it’s important to ask about these options prior to making any decisions about treatments.
