FAQ

What's the best way for me to pay my bills?

The easiest way to pay your bill is thru our online bill pay portal:  secure online bill payment. You may also make your payment via phone by calling our billing office at 207.581.4006

 
What is a deductible? Coinsurance? A-co-payment?
  • "Deductible" is an annual expense that you must pay before your insurance benefits can begin. This amount can vary based on place of 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 based on place of service (i.e. your doctor’s office vs. a large hospital). Supplemental Insurance Plans may cover this cost.
  • "Co-pay" is a set amount paid each visit, based on your insurance policy. This usually does not count towards your deductible.
  • For example, on a $500 bill, your deductible might be $150, so you would have to pay the first $150. This leaves a balance of $350. Of that $350, your co-insurance might be 20%, meaning that you will have to pay an additional $70. Your insurance company should pay the remaining $280. The hospital will file this claim for you. After insurance has been billed, you may receive a bill on any remaining balances.
 
Who is responsible for paying my bill?

Cutler Health Center will bill your insurance company directly (unless you specify otherwise), still, you are ultimately responsible for making certain that your bill is paid.

If a balance remains after your insurance has issued a payment or a denial, payment is due immediately upon receipt of your statement.
 
Did you bill my correct insurance? 
Questions about insurance may be directed to our billing department at 207.581.4006 or 207-973-5000
 
What does "pending" with my insurance mean? 
You may have received a letter or questionnaire from your insurance company requesting additional information. If you do not respond to this, the bill may become your responsibility.
Questions about your account may be directed to our billing department at  207.581.4006 or 207-973-5000.  
 
What do I owe?
You should receive an account statement in the mail. Your statement will reflect any unpaid balances on your account.

Questions about your account may be may be directed to our billing department at 207.581.4006 or 207-973-5000.
 
Did you receive my payment?
Any new payments made on your account should be reflected on your next account statement.

Questions about your account may be directed to our billing department at 207.581.4006 or 207-973-5000.
 
Why didn't my insurance pay?
You should have received an Explanation of Benefits (EOB) or Explanation of Payment (EOP) from your insurance company, showing how they considered your claim. This EOB/EOP should have a contact telephone number or web site where you can reach your insurance company for questions. Please contact your insurance company or benefits office with questions about denied claims.

What if I didn’t give anyone my insurance information at the time of service?
If you didn't provide your insurance information at the time of service please contact our billing department at 207.581.4006 or stop by Cutler Health Center ASAP.

In order to prevent pre-certification and timely filing issues with your insurance plan, it is important that you contact us immediately.
 
What is a pre-authorization/referral, and who is responsible for taking care of it?
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 referred to as pre-authorization.
 
Before your visit to Cutler Health Center, please review your health-plan booklet or call your insurance company representative 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.
 
I was injured at work – why am I getting a bill?
After notifying your employer of a work related injury, your employer should have filed a ‘Notice of Injury’ with the company’s workers compensation carrier. If they did not, the claim may be denied and become your responsibility.

Please check with your employer regarding the status of your workers compensation claim.