Billing & Insurance
If you have a billing or insurance question, please call (856) 778-4700 and select option 7 for our billing department. Our billing staff is available from 8:00 a.m. to 4:00 p.m., Monday through Friday.
As part of Axia Women’s Health, there is also staff available to assist with questions at (800) 355-0913. The staff at this location can provide information on your current balance and specific information on any payments or denials from your insurance company.
- Health Plans and Financial Policies
- Hospital Care and Surgical Fees
- Laboratory Fees
- Assisted Surgeon
- Obstetrical Billing Information
Health Plans and Financial Policies
We work to make our services as affordable and accessible to as many people as possible. In keeping with this philosophy, we participate in a variety of insurance plans. It is important that both participating parties, you and our office, follow the guidelines and requirements of these plans. We request that you bring your insurance card(s) each time you visit and that you notify us as soon as possible regarding any changes to your coverage. If your plan includes a co-payment, you will be asked to make the payment at the time of your visit. Also, we do not notify you of any changes to benefits in your medical plan. This information is provided to you directly from your health insurance carrier. It is important for you to review the specific benefits under your plan. If your health insurance is through your employer, your Human Resource Department is also a resource regarding questions on your medical benefits.
We participate with Horizon Blue Cross and Blue Shield of New Jersey. As such, we accept the payment schedules and abide by the contract limits specified by all New Jersey Blue Shield plans.
Managed Care/HMO Plans
We currently participate in most HMO/PPO plans; such as Aetna, AmeriHealth, Horizon Managed Care Plans, Cigna, Qualcare, and United HealthCare. Please check with our office staff regarding any other plans not listed.
We participate in the Medicare program and we ask that you provide your Medicare card any any other insurance card(s) you have to the receptionist at the time of your visit. You will be billed only for the 20% portion and any deductible not covered by Medicare or your additional policy. If Medicare does not cover a procedure, you will sign a waiver stating that Medicare will or may not pay for the procedure. You will receive a bill for the cost of this service. If you have any questions, please contact our billing staff.
Hospital Care and Surgical Fees
All hospital care, hospital-based surgery and in-office surgery will be billed directly to your insurance carrier. When scheduling elective surgery or admissions, we will verify your insurance coverage in advance. Any deductibles, co-payments or non-covered services are your responsibility.
If you do not have insurance or if your plan includes a large deductible or other patient payment responsibility, please contact our billing department 856 778-4700 option 7. We will make every effort to work out an acceptable agreement.
Like all medical offices, we require your co-pay at the time of service. Any deductible applied to our fee or non-covered charges will be your direct responsibility. We encourage all patients to become familiar with their medical insurance coverage and pre-certification requirements.
Pap smears and pathology services will be submitted to your insurance company by the laboratory that your insurance specifies. Please contact the customer service number on that statement with any questions. If permitted by your insurance plan, some testing may be processed at our lab. Any balance for these services will be listed on your billing statement from our office. If you have any questions regarding payment or denial from your insurance plan for testing processed at the lab, please call 800-355-0913 and our staff will be happy to assist you.
The New Jersey State Broad of Medical Examiners requires that an assistant surgeon be present during any major operative procedure and Cesarean sections, except in emergency situations. If the assistant surgeon is a member of our practice, we will bill your insurance company an additional charge for this service.
Obstetrical Billing Information
Thank you for choosing Cherry Hill OB/GYN for your pregnancy and delivery.
Cherry Hill OB/GYN will file all charges with your insurance company and will attempt to obtain pre-certification when necessary. It is to your advantage, however, to contact your insurance company to advise them of your pregnancy. It is your responsibility to contact your insurance company to ensure that pre-certification has been completed and to answer questions your insurance company may have regarding your pregnancy.
- After your initial visit – we will verify your insurance benefits. We will estimate the amount that you will owe for your obstetrical care and will send you a letter advising you of our findings. We will prepare a payment plan and review this with you in detail. Our policy is that this amount be collected by the 7th month of pregnancy. We provide this payment plan to assist you with managing payments during your prenatal visits and thus alleviating a large financial burden at the end of delivery.
- Deductibles. Please remember that you may have a deductible that will have to be met. If this is the case, you may have additional charges that will be your responsibility. Please inform us if you will be using a flexible spending account.
- Additional Services. If you have any additional services, such as ultrasound, or you need to be referred to another specialist, please check with your insurance company prior to scheduling these services. Some services may require a referral from your primary care physician or a prior authorization from your insurance company. Also, some services may not be a covered benefit under your insurance plan.
- Insurance Plan Participation. You will need to verify that the facility or doctor participates in your insurance plan. These things all need to be done before the services are provided. We would be happy to assist you in getting this information from your insurance company.
If you ever have questions about your specific bill or billing process in general, please contact our billing department at (856) 778-4700, option 7.
About Obstetrical Billing
Obstetrical billing is done in a global fashion. This means that you are not billed for each and every individual service that you receive. Rather, most of the services you receive will be billed in a single charge at the time of your delivery. The services included as part of your global bill are:
- Regular/Routine prenatal visits (including the routine urinalysis)
- Post-partum exam(s) following delivery
These services are billed immediately after the birth of the baby. The day of delivery will be the date of service shown on the bill. There are some services that you might receive that are not part of the global billing. These services are billed at the time they are done. Those could include but are not limited to:
Laboratory tests – including those done in the office as well as sent out to outside laboratories (pap smear, blood work, cultures)
- Ultrasound tests
- Other specialty services
- Non-routine prenatal visits
After the delivery – a claim will be sent to your insurance company and they will process the claim based on the benefits available at the time of delivery. Payment will come directly to our office. If the insurance pays more that the estimated amount, we will promptly refund the payment. If the insurance payment is less than the estimated amount, we will bill you for the outstanding balance.
Finally, if you deliver a boy and our physicians provide circumcision services, you will need to contact your insurance company or your employer for the correct procedure to follow after the baby is born to add the baby to your insurance plan. Some companies require that the baby be added to your policy within thirty (30) days after birth. Usually this is done by completing a form with your employer. If the correct procedure is not followed, the baby’s services in the hospital and thereafter may not be covered by your insurance company.
For information about hospital fees and hospital services for you and your baby, please visit the website www.virtuababy.org.