| Question: I receive correspondence from my insurance company that states "This is not a bill." What should I do? Answer: The paperwork is called an Explanation of Benefits (EOB). This statement explains the who, what, when, and how much was charged/paid by the insurance company for a service you received. In addition, it may list your personal liability (how much you may need to pay). This paperwork is also needed if you have more than one insurance policy. Either you or your provider will need to submit the EOB to the secondary carrier. After processing with the secondary policy, your financial liability should be lessened. Question: I received a statement from my provider. What now? Answer: Many providers send you a statement on a monthly basis, even though your insurance is still pending. It is a computer system set-up and not something they can change patient by patient. You need to be sure all your insurance companies have paid correctly and that the statement reflects all those payments, contractual adjustments, leaving only what is due from you. It would be best if you consult with a Claims Assistance Professional who can help you determine whether or not the balance due on the statement is what you should pay. Question: Why should I use your services? Answer: We would hope that if you do not use our services, that you do consult with another Claims Assistance Professional. At the initial consultation, Catherine will discuss with you your perception of the problem, review any documentation you have prepared, recommend certain actions, and allow YOU the option to proceed on your own using our recommendations or decide that Charter Medical Mgmt & Consulting is the company you want representing you. At Charter Medical Mgmt & Consulting, we track not only the bills from your providers but also the claims processed by the insurance companies. Once all claims have been paid and reviewed, we will notify you of your financial liability - what to pay and when to pay it. Your provider may file your insurance claims but once the insurance company has paid, the provider is only interested in his payment per contract. They do not verify your financial liability has been calculated correctly. This is only one example of services we can provide. Question: Who else might use your services? Answer: Among others: Employers of any size can add our company to their list of benefits. Estate/Trust Officers would appreciate our help in preserving assets through reclaiming monies paid erroneously. Children of aging parents can spend time with their families and not worry about the additional responsibilities of handling Mom and Dad's medical bills. Social Workers and Financial Counselors can recommend us to their patients or the family of their patients. Physicians may have patients who don't understand their benefits and need a claims assistance professional to provide claims help with filing claims or medical claims. Physicians may be looking to lower their expenses by using a CAP for medical claims or medical billing, audits of medical records and charges to insure they are receiving the maximum reimbursement. |
| Member of ACAP - Alliance of Claims Assistance Professionals (www.claims.org) We accept MasterCard, Visa, Discover, and American Express. |
| Charter Medical Mgmt & Consulting Mailing Address: 7739 E. Broadway, PMB 266 Tucson, AZ 85710 ph: 520.661.9091 fax: 520.207.3022 Hours of Operation: Monday - Thursday 9 AM - 4 PM other hours by appointment |
| Hours Mon - Thurs 9AM - 4 PM other hours by appointment |