Insurance
Insurance can be confusing, but it should never prevent you from accessing healthcare. Henry Community Health is here to help. As part of our commitment to your well-being, we are happy to assist with finding insurance and navigating any problems. In addition to the following information, we offer personal assistance through our ClaimAid department.
Insurance benefits
Benefits, or covered services, vary from plan to plan. It is the responsibility of the patient, parent, or guardian to contact their health plan to verify benefit coverage for the service(s) ordered by their physician. If services aren’t covered by your plan, you will remain responsible for full payment of charges.
The insurance process
HCH bills your insurance company directly. However, you have the final responsibility for bill payment even if you have health insurance. Your policy is a contract between you and the insurance company. Here’s how to use your insurance for HCH services.
- Provide your insurance plan during registration. If you don’t have complete information at that time, you must follow up with the business office (765-521-1516).
- If there is a copay for the service, we request that you pay it at your appointment. This typically applies to physical therapy, occupational therapy, and physician office visits.
- After any procedure or service, HCH will submit your claim to your insurance plan(s).
- In 30 to 90 days, the insurance company will pay HCH for covered services or deny coverage. They will send you an Explanation of Benefits statement indicating what they paid or denied and what you still owe, if anything.
- After HCH receives payment or denial, we will mail or email you a detailed monthly statement for any outstanding balance you may owe to us or one of our providers.
- If a claim for a service you received has not been finalized by your insurance, it will not appear on the statement. Therefore, the monthly statement doesn’t necessarily indicate all outstanding costs.
- If your insurance plan does not pay your claim within 90 days, HCH will bill you for payment.
Finding health insurance
Having insurance reduces your healthcare costs and provides peace of mind. Even if you’re healthy now, you never know when an illness or injury could happen. For help finding a plan that fits your budget and needs, contact ClaimAid at HCH (765-599-3146 or 765-599-3179). An advocate will walk you through the options, explain costs and coverage, and answer your questions.
HIP 2.0 (Indiana public assistance)
Low-income people ages 19 to 64 who live in Indiana are generally eligible to participate in Indiana Public Assistance’s three low-cost plans. HCH and its physicians are accepting new HIP 2.0 patients.
Marketplace (Obamacare)
HCH and HCH Medical Group are in-network with Ambetter, Caresource, and UHC for 2025. HCH is not in-network with Anthem or Cigna.
FAQs about insurance
The patient is ultimately responsible for the total bill or a portion of the bill the insurance carrier does not pay. Our Patient Accounts Department will make every effort to resolve your account balance with your insurance carrier. If you have more than one insurance payer, it is the patient’s responsibility to update the coverage of benefits with both payers so the claims can be paid.
A 30 percent self-pay discount is given on all self-pay accounts.
A “deductible” is an annual expense that you must pay for healthcare services before your insurance benefits begin. This amount can vary by benefit plan. Supplemental Insurance Plans may cover the deductible. “Coinsurance” is a portion of the total bill (usually a percentage) that is the patient’s or guarantor’s responsibility to pay until out-of-pocket expenses are met. A “Copay” is a set amount paid at each visit, based on your insurance policy. This usually does not count toward your deductible. Most copays/deductible amounts are listed on your insurance card.
A compassionate ClaimAid Patient Advocate is available to provide free help to you and your family. Advocates can:
- Provide information about Financial Assistance, Indiana Medicaid, and Federal Marketplace insurance and if you would qualify for any of these services
- Help to maintain insurance coverage and meet reporting requirements of Indiana Medicaid or Federal Marketplace
- Report changes to Indiana Medicaid or Federal Marketplace and provide necessary verifications
- Filing Social Security Disability applications
Completing insurance applications can be difficult. Henry Community Health’s free ClaimAid service is here to help you find programs that could benefit you and your family. For your free, confidential appointment, call ClaimAid at 765-599-3146 or 765-599-3179.
Both Medicare Part A and Part B have deductibles that have to be met. Most supplemental plans pick up these costs, but this can vary based on the payer.
If any chronic conditions or new conditions are discussed and/or addressed at your preventative visit, a separate office visit can be billed by the provider. This is called split visit billing.
