Our patient-centered philosophy makes us sensitive to the complex medical,
emotional, psychosocial, spiritual and financial issues faced by patients
and their families.
In the changing world of health care, financial and insurance issues can be
complex and confusing. This pamphlet was designed to help you understand our
process for billing medical services and to explain your role.
We accept most types of insurance. As a patient new to TCCC, you should
contact your insurance provider for a written copy of your insurance policy.
This information can help you make informed decisions about your care and
will assist us in getting the information we need to process your insurance
claims quickly and accurately.
Managed care plans (HMO, PPO and POS) often require you to use specific
physicians, facilities and/or ancillary services. If you are covered by a
managed care plan, please consult your insurance company's provided manual
to determine whether TCCC is a participating provider. It is a good idea to
check that all your physicians are in the provider manual. Managed care
plans may require co-payments for each outpatient visit and physician
involved in your care.
The cost of your medical services will depend on which services your
physician feels are necessary to diagnose and treat your condition. You may
be covered by insurance, which will pay for some portion of your medical
services. Even though you are insured, it is likely that you will be
responsible for some costs of your medical services. This could be through
co-payments, deductibles, and annual or lifetime limits.
For some medical services, pre-authorization may be required by your
insurance company. Failure to do so may result in
denial by your insurance company. This would make you responsible for the
costs your insurance company would have paid, or other penalties.
Trinitas CCC registration staff
will obtain the necessary pre-authorization from your insurance company on
your behalf. If you are
not covered by insurance and will be responsible for all of the medical
services costs, please contact our financial counselors. They will assist in
estimating the costs of your initial services and inform you about our
You will receive multiple bills for your medical services. One bill will be
for the technical charges of the care you receive. Examples of these charges
are laboratory tests, CT Scans, chemotherapy infusions and radiation
treatments. Another type of bill will be for professional charges from your
physician. Depending on the number of physicians involved in your care, you
may receive bills from surgeons, radiation/ medical oncologists,
radiologists, pathologists, etc.
On your behalf, we will bill your insurance company for the technical
charges of the care you receive. This requires that we have the most current
and accurate information regarding your insurance. As a new patient, we will
photocopy your insurance card and identification during registration. You
will also be required to assign benefit payments directly to TCCC.
Continuing patients are responsible for advising TCCC of changes in their
insurance coverage or other personal information. If you are covered by more
than one insurance plan, we need the information on each plan.
We will work closely with you and your insurance company. However, if we are
not able to receive prompt or full payment from them, you will need to call
the insurance company and work with them to resolve any balances. For your
payment we accept cash, personal checks, Visa(r), Master Card(r) and
American Express(r). If you have questions regarding a bill received from
your physician, please call the inquires telephone number on that bill. If
you have questions regarding the bill you receive from TCCC for technical
charges, please call your patient representation at
If you are unable to reach someone during normal business hours, leave a
detailed message including your name, account number and daytime telephone
number. We will return your call on the next working day.
Frequently Asked Financial Questions
Here are some questions to address before your first visit to the Cancer
What is the role of your primary care physician (PCP)?
The PCP is often the pivotal person in your healthcare. He or she may issue
authorizations, suggest further tests, coordinate your care of recommend one
of our Physicians for your assessment and treatment.
Do our services require pre-authorization by your insurance company?
Pre-authorization from your insurance company is often required before
scheduling consultation visits, diagnostic tests, treatment or other
clinical procedures. If your insurance plan requires pre-authorization
before medical services are provided, Trinitas CCC registration staff will obtain the necessary pre-authorization from your insurance company on your behalf.
Authorizations can be forwarded by your primary care physician. We accept a
copy, electronic file or FAX. If a required authorization is not received by
the day before your appointment, your Appointment may be rescheduled.
Do you need a referral before seeing a specialist?
Most of our physicians are considered specialist and may require a referral
from your PCP. Some referrals may allow for a specified number of visits,
while others may need to be reissued for each visit. Some referrals may only
be good for a specified amount of time. Your insurance plan will have this
Contacting Financial Counselors
Your satisfaction and peace of mind is a top priority Trinitas Comprehensive
Cancer Center has trained staff to assist you with insurance and other
financial issues, in addition to your clinical needs. If you have any
difficulty obtaining information or understanding your insurance coverage,
please contact financial counseling at
908-994-8000. Monday through Friday, 8am to 4:30pm.