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Below are some commonly asked questions and our answers to them.
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1. What is Premier’s Financial Policy?
A: The cost of medical care continues to increase, and as a service to you, Premier Medical Group makes every reasonable effort to obtain payment according to your coverage. Regardless of the type of insurance coverage you have, you are ultimately responsible for paying your medical bills. Payment is expected at the time of service if you have co-pay responsibility, an unmet deductible, or are self-pay. Payment may be made by cash, check, or major credit card. We also ask that you inform us if you have applied for or currently have TennCare or Medicaid coverage. Premier Medical Group reserves the right to transfer unpaid balances along with fees to an outside collections agency who may also report the unpaid balances to credit bureaus.
2. What information does Premier need from me for billing purposes?
A: If you are a new patient, please bring a picture ID and insurance card with you to your appointment. Before insurance companies can be billed for the services provided to you, you will be registered in our system to include name, date of birth, social security number, address, phone number(s), insurance carrier, and policy number. It is important that this information is kept up-to-date. At each subsequent visit, the registration staff will verify most of this information when you arrive for your appointment.
3. What are the operating hours of the Central Billing Office?
A: We have billing experts available Monday through Friday, 7:30am-5pm CST. Please call 931-245-7092 during regular business hours with any billing questions.
4. Does Premier file automobile or third-party liability insurance claims?
A: Premier Medical Group does not bill any automobile or third-party insurance. You are responsible for paying the cost of the healthcare services we provide to you. We will bill you directly and look to you for payment. You will need to settle with your automobile insurance or third party liability carrier separately. We will provide you with itemized statements as well as any other billing information needed for your settlement.
5. What do I do if my demographic (name, address, phone number, marital status, etc.) or insurance information changes?
A: Please contact Premier at 931-245-7000 or call our Central Billing Office at 931-245-7092 to make these changes as soon as possible.
6. If I have insurance coverage, do I have to pay anything at time of service?
A: You are required by your insurance plan to pay any co-payment, deductible, or co-insurance that is due at time of service. We are required by our contract with your insurance plan to collect these payments from you.
7. How do I read my billing statement?
A: Our statements include charges billed, payments, and adjustments related to those charges. Here is a sample patient statement with guidance on how to read and interpret your statement. For any further questions, please call our Central Billing Office Monday through Friday, 7am-5pm at 931-245-7092 and our billing experts will be glad to assist you.
8. When is my payment due?
A: Patient balances are due upon receipt. When you receive your statement, if you are unable to make payment in full, or if you have questions about your bill, please contact our Central Billing Office at 931-245-7092.
9. Am I responsible for payment if I am on my parents’ insurance?
A: If the patient is over the age of 18, he will be responsible for his own account. Therefore, he will receive his own statement, even if still covered under his parents’ insurance.
10. Why am I getting a bill from a doctor that I did not see?
A: You might have been seen by one of our nurse practitioners or physician assistants. Because medical claims need to be billed by a practicing physician, the supervising doctor would have billed your charges. Also, physicians such as radiologists who interpret or read your tests may have provided services related to your care, even though you did not see them. If you had X-rays done in our Imaging Department, you may see the Radiologist’s name indicated.
11. What is your self-pay policy?
A: Self-Pay patients are required to make a deposit at time of service before being seen by our providers. Our Primary Care and Walk-In deposit is $100, and our Specialty deposit is $150. We accept cash, check or major credit card. You will be given a discount on eligible services when you pay at time of service. There may be additional charges for tests and other services rendered subsequent to your visit, and you will be billed separately for these items.
12. What is Premier’s policy for Workers’ Compensation services and claims?
A: Several of our physicians provide services under Workers’ Compensation plans. If you need to see a physician for an injury related to your employment, please have your employer or workers’ compensation case manager make the appointment. You will need to provide us with the case number and date of injury, as well as the address to which the bill is to be sent.