Billing FAQs

Q: When will I be expected to pay my co-payment or deductible?
A: All payments and deductibles are expected to be paid at the appointment.
Q: Do you accept my insurance?
A: We accept most major insurances but please contact our office at 812-738-4155 for the most updated insurance information. You may also want to verify with your insurance company for more information regarding your specific plan.
Q: Will you file my insurance claims?
A: We will file primary and secondary claims on your behalf. It is not the policy of Harrison Family Medicine to follow up on secondary claims. If these claims have been received by the secondary payer and have not been paid within 45 days, they become the responsibility of the patient.
Q: What is a deductible?
A: Amount for which the patient is financially responsible before an insurance policy provides coverage.
Q: What is a co-insurance?
A: The percentage the patient pays for covered services after the deductible has been met and the co-payment has been paid.
Q: What is an allowable?
A: The maximum amount the payer will reimburse for each procedure or service, according to the patient’s policy.
Q: What are coordination of benefits (COB)?
A: Applies to a person who is covered by more than one health plan. COB is the process of communicating between two insurances to eliminate duplicate payments and to assist patients to receive the maximum benefits for which they are entitled.
Q: Does Medicare cover routine physicals?
A: Medicare covers an initial “Welcome to Medicare” physical within the first year of coverage. Medicare will also pay for an Annual Wellness Physical during the second year and once per calendar plan year there after. Flu and Pneumonia shots are also generally covered by Medicare.
Q: How much does Medicare pay for approved services?
A: Medicare pays for 80% of the allowed amount. The patient is responsible for the remaining 20%. This is due at the time of the appointment.