What is the process for paying my medical bills when I have a need?

At the time of service, Members should present themselves as “self-pay” patients to their medical providers (doctors, laboratories, clinics, hospitals, etc.). The providers will, in turn, bill the Member directly. The Member then organizes their bills, fills out a Need Processing Form (NPF) and submits the NPF, copies of all relative medical bills and any proof of payments made towards their Initial Unshareable Amount (IUA) to our Medical Cost Sharing Partner. If warranted, medical bill negotiators may contact your providers on your behalf to discuss fair pricing for the services that were performed and determine if negotiations are necessary or available for the billed amounts. Members will receive the appropriate number of shares from our Medical Cost Sharing Partner, which, in turn, they use to pay their medical providers. Payment delivery to the provider remains the Member’s responsibility.

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