Insurance 2016-11-07T21:10:00+00:00

For Patients: Health Insurance Coverage

How to use Insurance Coverage for Medical Expenses.

Our patient coordinators can help you navigate through questions about your coverage or payment plans, whether you’re an established patient, or new to our center.

We don’t turn away anyone due to lack of insurance coverage..

We accept most insurance plans, and contract with several independent physicians’ groups.

We make a consistent effort to partner with a variety of Insurance Carriers.

Accepted plans include:

  • Aetna PPO
  • Anthem Blue Cross PPO
  • Blue Shield PPO
  • Cigna PPO
  • Health Net PPO
  • Medi-Cal –including California Children’s Services (CCS), Cal Optima, and Genetically Handicapped Persons Program (GHPP)
  • Medicare
  • United HealthCare PPO
  • Many other plans are also available. For a current list, call CIBD for more information.

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CIBD is a designated Covered California site with certified enrollment counselors who can help with enrollment.

  • (714) 221-1200

Available weekdays. Call us for a list of available plans.

Understanding your insurance plan

Calling your insurance company is the most important financial step you can take before visiting us. You can find the phone number on the back of your health insurance card.

Each insurance policy is different, and the amount of coverage for exams and procedures depends on your specific health plan, so it’s important to read and understand your policy. Some insurance companies require authorization before patients can receive treatment; others require paperwork. Since patients are responsible for all medical bills, regardless of their coverage, it’s important for you to know these details ahead of time in order to keep your out-of-pocket expenses to a minimum.

Questions to Ask Your Insurance Company

When you call your insurance company to learn the specifics of your policy, here are some questions that can serve as a guide when you talk with your insurance company.

For your own record, be sure to make a note of the name of the person you spoke with and the date.

  • What type of insurance plan do I have?
  • Is CIBD (Center for Inherited Blood Disorders) in my network?
  • If CIBD is not in my network, what percentage of my bill will be paid by the insurance company?
  • Does my insurance plan cover physicians’ costs? What are my co-payments and deductibles?
  • Does my insurance plan cover inpatient and outpatient hospital services? What are my co-payments and deductibles?
  • What is my coverage for prescription medication?
  • Before I see a doctor at CIBD, do I need a referral from my primary care physician (PCP) or will I need an authorization from my insurance company?
  • Will I be covered for any testing, pathology, or radiology charges? What, if any, is my co-payment and deductible?
  • Is the percentage of my bill paid by the insurance company based on “usual, customary, and reasonable” (UCR) schedules, or on the actual charges?
  • Does my policy have an out-of-pocket maximum?

Source:  Dana-Farber Boston Children’s Cancer and Blood Disorders Center