Guide To Managed Health Care
More and more of our patients are covered by "managed care" health insurance. Managed care plans can usually be identified by the acronyms HMO, PPO, MCO, PHO, OHP and the like. Our physicians are increasingly being asked by insurance companies to see managed care patients. They are often asked to sign managed care insurance company contracts, to which we agree, in exchange for patients insured by the plan to be referred to us.
Most managed care plans have requirements for us to follow. Should we fail to follow those requirements, we can be prohibited from seeing patients covered by that plan. You, likewise, could incur increased health care costs—costs not covered by your insurance.
Managed care plans often have one or more of the following requirements:
1. We see only those patients with insurance referrals from a primary care physician (PCP);
2. There is a co-pay obligation by the patient, and;
3. Prior authorization and/or a second opinion are needed before surgery is performed.
There is a good chance that your insurance plan has one or more of these managed care requirements. If it does, we are obligated to follow them. These requirements may not always be pleasant or your medical treatment as timely as you would like, but they may be a part of your managed care program. Here are some common features of managed care plans:
1. Prior Referral Before Treatment
An increasing number of managed care plans require that you first obtain an insurance referral from your primary care physician (PCP) before being permitted to visit with us. These insurance referrals may take seven (7) days, or more, to obtain. Specialists who diagnose or treat managed care patients without prior referrals may not be reimbursed by the insurance plan for their services and risk being excluded from seeing plan patients at all. Patients who see specialists without insurance referrals risk being 100% responsible for the costs.
Co-payments are the portion of the fee for services for which the member is responsible. Insurance companies believe that having the insured patient responsible for a portion of the total bill will affect the patient's decision to see a doctor. Our contracts with managed care companies place upon us a responsibility to collect the required co-payments.
3. Prior Authorization
Being insured under managed care creates the responsibility of obtaining authorization from the insurance company before surgery or hospitalization. We are willing to assist in obtaining the necessary authorization. In some cases, the managed care company requires the opinion of a second physician before surgery is authorized. Obtaining authorization, or arranging for a second opinion, may create lengthy delays.
4. Third-Party Pay Responsibility
The cost of medical care for some patients may be covered by some source other than their private insurance company. On-the-job injuries, and injuries received in a motor vehicle accident, are a couple examples. Despite third-party responsibility for the payment of medical expenses, we are still required by our managed care contracts to obtain the managed care referral for treatment and prior authorizations before services are performed. As such, patients still need to obtain this referral before being seen.
Medical Care Delivery is Changing
We are no longer able, in non-emergency situations, to schedule and treat patients as we used to do. Managed care insurance programs require all of us, patient and physician alike, to obtain referrals or permission before a patient can be treated. Please understand that we are trying to make the system work as it is designed. We are pleased to have you as a patient; however, before we can treat you it may be necessary to comply with the managed care guidelines of your insurance company.
Managed Care Plans
Blue Cross Blue Shield - HMO Illinois
Blue Cross Blue Shield of Illinois
Blue Cross Blue Shield Medicare Advantage PPO
CIGNA Healthplan of Illinois, Inc.
Healthcare's Finest Network
Humana Health Care Plans
Preferred Network Access
|Private Healthcare Systems
Three River Provider Network
United Healthcare Group Medicare Advantage
(Medicare State of IL Retirees)
*for selected HMO sites
If you do not see your health plan listed above, please contact Midwest Orthopaedics at Rush at 877 MD BONES (877.632.6637) for further clarification.
MOR is proud to be designated as a Blue Cross Blue Shield Blue Distinction® Center for Knee and Hip Replacement. Blue Distinction Centers demonstrate an expertise in quality care, resulting in better overall outcomes for patients, by meeting objective clinical measures developed with input from expert physicians and medical organizations.