We will bill all Health Insurance plans for inpatient and outpatient services, if you provide proof of insurance (i.e. an insurance card) at the time of service.
Many insurance plans require prior approval for services by patients and/or their Primary Care Providers (PCPs) before services can be covered. This is often called pre-authorization.
Commercial Insurance plans also generally have deductibles, co-pays, and/or coinsurances.
- A deductible is an annual expense that you must pay before your insurance benefits can begin. This amount can vary depending on your plan and on the location where you receive service (i.e. your doctor’s office vs. a large hospital). Supplemental Insurance Plans may cover this cost.
- Coinsurance is the portion of the total bill (usually a percentage) that is the patient’s (or guarantor’s) responsibility to pay. This amount can vary depending on your plan and on location where you receive service (i.e. your doctor’s office vs. a large hospital). Supplemental Insurance Plans may cover this cost.
- A Co-pay is a set amount paid each visit, based on your insurance policy. This usually does not count toward your deductible.
Before your visit to an Eastern Maine Healthcare facility, please review your health-plan booklet or call your benefit office or insurance company to clarify your specific policy benefits and requirements. Many insurance carriers also have their own web sites – information about your company’s web site can be found in your insurance policy handbook, on your insurance card, or at your benefits office.
Eastern Maine Healthcare staff is not able to answer questions regarding specific plan details.You can find your insurance company’s customer cervice telephone number on your insurance card.
Below is a list of insurance carriers/networks that participate with Eastern Maine Medical Center. Participation with Eastern Maine Medical Center or other Eastern Maine Healthcare affiliated hospitals is determined by your employer, and your specific insurance carrier/network. The best way to find out if youriInsurance carrier participates with Eastern Maine Medical Center or other Eastern Maine Healthcare affiliated hospitals is to call your insurance carrier.
This list is not all-inclusive and is subject to change:
Aetna US Healthcare
Anthem Blue Cross
Blue Card / Out of State Blue Cross
Comprehensive Benefits Administrator (CBA)
Federal Blue Cross
First Health Network/HCVM
Harvard Pilgrim Healthcare (PHCS)
Maine Network for Health
MaineCare / Medicaid
MaineCare Managed Care / Medicaid
Martin's Point / HMO
Multi Plan Network
One Health Plan Network
Private Healthcare System Network (PHCS)
United Payers & United Providers Network (UP & UP)