Find answers to frequently asked questions about billing and insurance.

Many patients worry considerably about questions of billing and insurance. Hancock Health is committed to helping you find the information you need to make the process less stressful. Below are a few of our most frequently asked questions about the billing and insurance process. And if you don’t find what you’re looking for? We’re always here to help.

Frequently Asked Questions

Yes. You can email our offices directly, or give us a call at (317) 468-4900. You can also send us a fax at (317) 468-4173.

We accept the following:

  • Cash
  • Personal checks
  • Cashier’s checks
  • Money orders
  • Credit and debit cards
  • Healthcare Savings Accounts (HSAs)

Patients who receive services at Hancock Hospital may receive more than one billing statement. First, you can expect a hospital billing statement for any services rendered while you were at the hospital. Second, you may receive a separate bill for services such as radiology, cardiology, emergency room physicians, anesthesia, pathology, or other physician services.

When you receive a billing statement from a radiologist, it’s typically for their services in reading or interpreting an X-ray, ultrasound, or MRI. Similarly, you may receive a billing statement from a cardiologist for her role in reading or interpreting an EEG, EKS, stress test, or other test.

These additional billing statements include the phone number of their specific billing office in case you have questions. Please note that services rendered by providers other than the hospital may not be covered by your insurance carrier. Check your policy for details.

First, check to see whether the insurance company that you had on that date also matches the date of service on the bill. If it’s the wrong insurance company or policy number, someone from Patient Financial Services can help you Monday through Friday, 8 a.m. – 5 p.m. Give us a call at (317) 468-4900.

Ultimately, you as a patient are responsible for the total bill, or whatever portion of the bill that your insurance company does not pay. We’ll make every effort to resolve the account balance with your insurance carrier, but sometimes we’ll be unable to do so. In those instances, we’ll need your assistance.

If needed, Hancock Health can help you set up a payment plan. For qualifying accounts, the balance may be spread out into 12 monthly interest-free payments. If you need more than a year to pay your bill, arrangements will include a low 12% APR interest rate. Please contact Patient Financial Services to set up a payment plan at (317) 468-4687.

We are committed to offering financial assistance to those who have healthcare needs but are unable to pay. You can review our financial assistance policy here. If you think you may qualify, complete our financial application and submit the form along with supporting documents to the hospital for processing.

The following financial aid programs are available for patients that meet income criteria:

  • Hancock Regional Financial Aid
  • Healthy Indiana Program (HIP)
  • Hoosier Healthwise
  • Medicaid
  • Women Helping Women (Mammography screening assistance)
  • Breast and Cervical Cancer Program

If you have questions or would like to schedule an appointment for assistance with any of these programs, please call social services at (317) 468-4532.

A deductible is the annual expense you must pay before your insurance benefits can begin. The amount varies based on the place of service (for instance, your doctor’s office or the hospital). Supplemental insurance plans may cover this amount.

Coinsurance is the portion of the total bill that is the patient’s responsibility to pay. This amount too will vary on the place of service.

Finally, a co-payment is a set amount that you pay each visit, based on your insurance policy. This amount does not usually count toward your deductible.

You are responsible for any applicable deductibles, co-payments, or other amounts not paid for by Medicare. The most common non-covered service is self-administered drugs. Generally, the self-administered drugs you receive in an outpatient setting (such as an emergency room or observation unit) are not covered by Medicare Part A or Part B.

Your Medicare drug plan may cover these drugs under certain circumstances. You may need to pay out-of-pocket for these drugs and submit a claim to your pharmacy plan. Please call your plan for more information.

Sometimes this information can be found on your insurance card. If not, please check with your insurance provider directly.

We participate in numerous health plans. If you do not see your particular insurance plan on the list below or have questions about your hospital bill, please call the billing and insurance line at (317)-468-4900.

  • Aetna Commercial plans
  • Anthem Traditional
  • Beech Street
  • Care Improvement Plus Medicare Advantage Special Needs Plan
  • CareSource Indiana
  • Champus/TriCare
  • Choice Care – formerly Humana Health Plan (Via PHCS agreement)
  • Cigna Healthcare (Non-Par in HMO products)
  • CoFinity/PPOM
  • Community Health Alliance
  • Consumer Life/Medical Mutual of Ohio
  • Corvel
  • Coventry Health Plan
  • Department of Veteran’s Affairs
  • Encore (The Health Care Group)
  • First Health (Became Coventry Health Plan on 1/1/08)
  • ForMost, Inc
  • Great-West Healthcare (Formerly One Health Plan)
  • Greenfield Banking Company
  • Hancock Physician Network
  • Hancock Regional Hospital Employee Plan
  • Healthy Indiana Plan (HIP)
  • Humana
  • Indiana Health Network (a CIGNA product)
  • Integrated Health Plan, Inc (Aquired by MultiPlan in 2012)
  • Indiana ProHealth (HealthMark and HealthChoice enrollees)
  • IU Health Health
  • MD Wise Connect
  • Managed Health Services Exchange
  • Managed Health Services Exchange
  • Medicaid
  • Medical Mutual of Ohio/SuperMed PPO (See Consumer Life)
  • Medicare Managed Care Plans
  • Multiplan, Inc. (Owns PHCS)
  • National Preferred Provider Network (aka Stratos)
  • Optum Health (United Behavioral Health)
  • Private Health Care Systems (PHCS) (Owned by MultiPlan)
  • ProHealth/SHO Reciprocal (Emergency services only)
  • Sagamore Health Network (Owned by Sagamore)
  • SIHO
  • Francis/SHO Reciprocal
  • St Vincent CMO Reciprocal Agreement
  • SuperMed PPO
  • Today’s Options
  • Tricare
  • United HealthCare
  • Worker’s Compensation

For Full plan details, download the PDF.