Payment Questions and Answers
I thought my insurance would pay for all of my bill for therapy sessions?
- Your insurance did process your bill and paid a portion of it. The remaining is the patient’s responsibility based on the insurance plan that you have elected.
- If you owe the entire amount for your therapy sessions, it is likely your deductible. Contact BCBSIL for more information.
What is a co-pay (copayment)?
- A co-pay is the standard payment amount you owe each time you visit a doctor or therapist. You will need to pay this amount each time you have a session with your therapist. The rate is usually listed on the front of your insurance card next to Office Visit or Specialist.
What is a co-insurance?
- A co-insurance is a standard percentage of the overall bill that a member / patient owes. This is written out in your insurance plan details and is usually a standard percentage such as 10%/20%/30%.
What is patient liability / patient responsibility?
- This is the total amount of the bill you owe.
What is a deductible?
- The amount you pay for covered health care services before your insurance plan starts to pay. After you pay your deductible for the year you will only need to pay a copay or coinsurance percentage for each visit after this.
Do I need to pay for each visit?
- Yes, you will have to pay for each visit, but to make it easier, you can put a credit card on file in the Patient Portal and we will charge it automatically each time. You will get an email for each charge.
What is an EOB?
- An Explanation of Benefits; this details out how much your insurance was billed, how much they paid, and how much you owe.
My other insurance usually pays my patient responsibility.
- Do you have secondary insurance? If so, please call 855-550-1288 so we can determine if this changes the amount you owe.
Why did my claim get denied?
- Did your insurance change? If so, you may no longer be eligible for Vida’s therapy services through BCBSIL. If you believe this to be a mistake, please call 855-550-1288.