Frequently Asked Questions

Do you participate in my health plan?

Allied Physicians of Michiana participates with many “Networks” under which insurance plans are affiliated. We participate in most, but not all, health networks. Currently, Allied Physicians of Michiana participates with Anthem, CHA, Select Health Network, Sagamore, IHN, Humana/Choicecare and UHC.

I have a co-payment with my insurance plan. Can I be billed for this?

All co-payments should be paid at the time of service.

You accepted “assignment” with my health insurance. Why are you billing me?

By accepting assignment, or by participating in a health plan, you may still be responsible for out-of-pocket amounts due to co-insurance, deductible, non-covered or plan exclusions.

I have two insurance policies. How do I know which one is primary?

If you are the patient and the insurance holder, your policy will be listed first for you, followed secondly by any coverage you may have under your spouse. In the situation of a minor child where both parents have insurance, generally the parent whose birthday comes first in the year will be primary.

My insurance company is asking me for additional information. Do I have to complete the information and why?

The insurance company may need information from you to determine your eligibility, coordination of benefits, student status, whether this visit was due to an accident, or several other reasons. You must complete the information in order for your claim to be paid; otherwise, the full amount is charged to you.

When do I need a pre-certification or referral and who is responsible to do this?

You are responsible to know your plan benefits and what service requires a pre-certification or referral. Very often, outpatient or in-patient procedures or services do require some form of prior notification. Often the hospital or specialty department may do this for you; however, please make sure that this is arranged by calling your insurance company prior to services.

I had an auto accident and you billed my health insurance. Why?

If a patient has an auto accident or is injured on the job, claims will need to be filed to the auto or worker’s compensation carrier. Please bring your auto or worker’s compensation information with you to your visit so that your regular insurance is not billed for these services.

I have questions regarding my statement. Whom do I contact?

Allied Physicians of Michiana Administrative Office located in downtown South Bend. You can reach us by phone 574-251-2100 Monday through Friday 8:00 a.m. until 5:00 p.m.

My daughter is a 25-year-old student and is covered under my health insurance. Why can’t I call and get questions about her coverage or bill?

Under HIPAA guidelines, if a patient is over the age of 18, his or her privacy is protected and therefore not released without their consent. Health insurance claim information, financial information, etc. cannot be discussed with anyone under this guideline. A family member may request that his or her health and financial information be shared with another specific family member, but this must be done in writing. The patient may request a HIPAA release form from the office they are visiting.

Why do I need to give my insurance card every time I come for an appointment?

If your health insurance changes, it is vital that we change your information to keep current with the address of your carrier, your group and policy numbers, and your general demographic information.

Do you accept Care Credit as a form of payment?

Yes we do accept Care Credit as a form of payment. For more information on Care Credit click the following link: www.carecredit.com