Billing

Cost of Services
Prices for any of our services are available through our billing office.  If you are having surgery, we can provide you the anticipated amount of your surgeon fee. All you need to do is ask. Most operations generate additional bills from Spectrum Anesthesia group and Maine Medical Center. If you want to know their fees, we will give you their contact phone numbers and both the procedure code and expected length of the planned operation. Spectrum and Maine Medical Center use these to make their estimates. Once you have estimates for all three parts or your bill (surgeon, anesthesia, hospital), your insurance company can tell you what your total expected “out-of-pocket” expenses should be.

Insurance
Casco Bay Surgery participates with most insurance plans. You may want to contact your insurance carrier prior to your appointment to confirm that our group participates with your plan. Please bring your insurance card with you on the day of your appointment. Co-payments are required at the time of visit. For your convenience, insurance claims will be submitted by our staff. Be aware that your insurance plan might not cover the total charge. If there is a balance on your account after the insurance company makes payment, you will be responsible for this balance.

If you believe your condition is the result of an accident at work, bring with you the name and address of your employer, worker’s compensation insurance company name, address, date of injury and a claim number if one has been issued. If your claim is denied or in dispute, we will forward an insurance claim to your health insurance company. Therefore, please bring your health insurance card on the day of the appointment.

Referrals
If your insurance plan requires referrals, it is your responsibility to contact your primary care provider so this can be completed prior to your appointment. If your claim is denied by the insurance company because a referral was not obtained, you may be responsible to pay for that visit.

Payment Policy
If your insurance plan requires a co-payment for your office visit, this payment is expected at the time of service. We accept Mastercard, Visa, Discover, checks and cash. If you are not covered by an insurance plan, please call our office to discuss payment options prior to your appointment.

We ask that you pay your bill within 30 days of receiving a statement from Casco Bay Surgery. We also ask that patients with credit cards sign a consent form before surgery giving your credit card company permission to pay any outstanding balance that remains after your insurance pays its part of your bill.

If you believe your services were paid incorrectly, please contact your insurance carrier. If you believe we billed you or your insurance company incorrectly, please call us and we will make every effort to clarify your bill – or to correct the problem quickly if we have made a mistake.

Maine Medical Center Free Care Program
If you have been accepted into the MMC Free Care program, the hospital will not charge you for services. Casco Bay Surgery will charge you a substantially discounted rate compared with what all private insurance companies pay surgeons. We ask that you pay for office visits at the time of service and pay the surgery fee before your surgery date.  If you do not believe you can pay this amount, we will review your situation with your surgeon, who will then make the final decision.

Self-Pay (Uninsured or High Deductibles)
If you do not have either health insurance coverage or MMC free care, we charge our full fees for office visits and surgery. We ask that you pay for office visits at the time of service and pay the surgery fee before your surgery date. If you do not believe you can pay this amount, we will review your situation with your surgeon, who will then make the final decision.

Unpaid Bills
We bend over backward to help our patients have surgery in an affordable way, but we must also collect payment that we believe has been fair and accurate. Despite this, our first concern is still your health, and we understand that there are times when financial difficulties arise. If this occurs, please call our billing office (207-761-6642 Ext. 11) to  negotiate your bill and arrange an easier payment plan. Our staff will work compassionately to help you through your hardship. If you do not call us, though, and do not answer our calls or letters to you, then we will eventually send your account to a collection agency. Aside from the annoyance of being pursued by an impersonal agency, the agency will add a fee equal to 30% of your outstanding balance. It is always better to deal with Casco Bay Surgery directly.

For questions regarding your account or other billing related issues, please call our billing office at 207-761-6642 Ext. 11.