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Insurance Requirement Checklist

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If you are going to be receiving health care services, to assist you as you sort through the process of complying with your insurance company's coverage requirements, please read the following list of questions:

Have you read the front and back of all insurance cards issued to you by your (or your spouse's) employer?

If precertification is required, have you made arrangements with your ordering/performing physician?

Have you contacted your insurance company regarding pre-certification at least one to two days prior to service to confirm authorization?

Do you know if your health care provider's charges will or will not be covered by your insurance company?

Does your policy require a deductible charge? If so, what is the amount?

Does your policy require a second medical opinion? If so, have you obtained the second opinion?

Does your policy require that you have a referral form for health care services? If so, have you obtained your referral form and given it to your performing physician and hospital?

Does your policy require a claim form? If so, have you completed the form for submission to your physician(s) and hospital?

If you are scheduled for surgery, is your surgery related to any type of accident? If so, have you given all of the accident-related information to your health care providers, such as how, where, and when accident occurred?

Are you covered by more than one insurance plan? If so, have you submitted all insurance information to your health care providers?

This will include:

  • name of plan
  • address
  • telephone number
  • ID number
  • subscriber's date of birth
  • completed claim and/or referral form.
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Voice of the Patient

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  • “Everyone who knows me and my exercise regimen, including my doctors, did not think I would find value in Cardiac Rehab, but I did and it was thanks to the staff.”
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  • “The most helpful part of the program was clearly the nursing staff. They took time to clearly define and answer all questions and their working knowledge of anatomy was communicated in terms that all could understand. I especially benefited from the in-depth reviews concerning how the heart worked and how procedures and/or drugs could work to correct issues.”
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  • “The Breast Center put the care in health care.”
  • “I really did not have any comment about how it could have been better. I have been to (patient named 3 other area hospitals) and have had surgery at all three of those facilities. None of them even compare to St. Joseph. I’ve had very good experiences there. Your staff is very welcoming and if I have to have another procedure done. I plan on going to St. Joseph.”
  • “I think that the nurses did an excellent job in taking care of me – they were always there. They did just an excellent job-that’s what I really have to say. And the doctor too did an excellent job taking care of me. I found I got excellent care at St. Joe. I had a very good experience there and I highly recommend it. I had no problem whatsoever.”