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Financial and Insurance Policies


DSC_0856 editedGeneral Billing and Payment Policies:

• Payment is required at the time services are rendered. Please be prepared to pay any coinsurance, outstanding deductibles or co-payments required by your insurance.

• Summit Cancer Care accepts cash, checks, VISA and Mastercard.

• As a courtesy to our patients, we will bill your insurance plan(s) for you as long as you provide us with the correct information to do so.

• Please remember: your insurance policy is a contract between you and your insurer – and you, as the patient, are responsible for payment for all services provided, even those not covered or considered medically necessary by your insurer.

• Summit Cancer Care will assist you in negotiating a settlement with your insurer for any disputed claim.

• If your insurer has not paid after 90 days, a statement will be sent to you for payment of the balance due.

Medicare/Medicaid:

• Summit Cancer Care participates in the Medicare and Medicaid programs and accepts assignments.

Insurance Policies:

• Summit Cancer Care participates in a number of Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), physician networks and group insurance plans.

• Due to the constantly changing status of these plans, please verify our participation in your plan with our Business Office before beginning your treatment.

• If you are a member of a PPO or HMO, please understand and follow its rules for co-pays and/or deductibles, pre-certification for hospitalization, outpatient surgery and certain outpatient imaging studies, as well as the use of designated hospitals and labs.

• Failure to comply with your carrier’s policies may result in increased cost to you. Please contact our Business Office for help in understanding these policies and requirements.

Financial Counseling Process for Patients Requiring Treatment:

• The diagnosis of cancer or other blood related disorder causes a great deal of uncertainty for patients and their families. Patients have told us that one of the greatest concerns that come with these illnesses is financial as there is potential loss of income due to work absences and the full cost of treatment is many times unknown. It is our hope to at least lessen some of the uncertainty by fully addressing upfront the treatment cost for the plan of care prescribed by your Summit physician. It is the policy of Summit Cancer Care to inform our patients of the expected out-of-pocket costs and to establish a reasonable payment plan prior to the first treatment. Please take a moment to review our procedures outlined below, so that you are aware of our process:

• Once treatment is ordered by your physician an estimation of the costs is determined based upon drugs, dosages, and number of cycles. This is usually completed within 24 hours after the physician has ordered the treatment.

• A member of our Business Office then reviews the cost estimate and your specific insurance plan to determine how much of the estimated treatment costs is covered by your health plan and how much of the expense your plan requires to be paid by you. This is also usually done within 48 hours after the treatment has been ordered.

• If your health plan requires some costs be covered by you, then one of our Business Office Representatives will contact you once the assessment is completed and either discuss the expected cost to you over the phone or arrange a time for you to meet.

• This representative’s will provide a Patient Liability Estimate to you and request a partial payment for the total treatment. She will also request that you agree and sign a payment plan which will detail the percentage of the patient balance to be paid each month.

It is important to know that the estimate we provide is based upon the information that is known to us at the time of your treatment order. Exact fees may vary during treatment due to changes in your condition.

If you find you cannot make the initial payment then Summit will work with you to explore other resources that may be available. This will require that you provide personal financial information promptly to us so that we can determine if you meet eligibility requirements.