ALL SERVICES in the hospital can be paid either through CASH/ALL DIGITAL MODES OF PAYMENT/CHEQUE(need to submit for clearance before any procedure)/ INSURANCES either cashless or on payment/Government or private CREDIT NOTES.
If you are receiving hospital services, DOC has financial counselors who will provide guidance to you if you have insurance to cover your medical care whether government or private or you do not have any insurance cover. The terms and conditions and the financial implications can be discussed and clarified as per your cover. The counselor will guide you what documents /pre authorization/permission from respective government office you need to bring so that your admission for the surgical procedure is hassle free. The counselor will guide you regarding what is covered and what is excluded as per your policy.
Because we are a specialty organization focused solely on musculoskeletal and orthopedic care, we have been able to develop protocols and efficiencies that improve quality and safety while containing costs.
The surgery costs, typically, vary from one procedure to the next. This is mainly because there are a lot of add-on expenses that are added to the medical bill.
DOC is committed to being fully transparent when it comes to the cost of treatment. We are committed to providing an estimated cost for your hospitalization .The final cost may or may not exceed the estimated cost given depending upon any additional treatment requirements as per your treating doctor. You will be fully informed of any additional cost beyond the estimated package, if any, by our financial counselor.
It is the responsibility of each patient to know what insurance coverage they have and understand how much they are required to pay. Ask your insurance company about co-pays, co-insurance, and deductibles. See if the hospitals are in-network or out-of-network/among panel for cashless benefit or not.
The more correct information you can provide when you request an estimated cost, the more accurate your estimate will be.
If you are covered by more than one insurance program, we will need information about both to coordinate your benefits.
Please contact your insurer to confirm the coverage of pre and post hospitalization rehabilitative services like home physiotherapy, rehabilitative equipments like crutches walker canes and toilet seat raise which you may require post surgery.
Your rights include, but are not limited to:
The right to information about what services are covered and how much you will have to pay.
The right to information about all treatment options available to you.
You will receive a copy of detailed bill for any charges. Broadly it includes the hospital package charges according to the room category you have opted/entitled and the implant cost. This includes charges for consultants, pathologists, radiologists, anesthesiologists, attending physicians, , surgeons, cardiologists, and consumables used. For any clarification you can always contact the financial counselor for any explanation regarding the bill.
In order to provide convenient access to our programs and services, DOC accepts the insurance payers whether private or government in both cashless and cash mode.DOC also accepts many corporate/government panels and continuously adds new plans.
As insurance providers are subject to change, you should confirm your carrier’s participation by contacting the carrier directly. The telephone number can be found on your insurance identification card.
Paying for surgery costs might be quite the pain. This is especially difficult when you are not covered by insurance. And when there is some medical emergency in question, getting money quickly is of the essence.
Borrowing from Savings/Self pay
While borrowing from savings/Self pay is not ideal, sometimes this is the only option ahead of us during medical emergencies.
Loans against property/collaterals
This is another option while paying for surgery costs. You have the option to take a loan against your property and other collaterals thoughg the process is somewhat cumbersome.
Medical crowdfunding involves raising funds through campaigns and donors. While this might look like a rather easy solution at first, the amount of money generated might not always be sufficient for the surgery costs. Besides, there is gross uncertainty about how much money a particular campaign can pull up.
Personal loans/Medical loans
MEDICAL LOAN is a kind of Personal loan and is the most convenient option for paying for medical costs incase in an emergency for paucity of funds. Since there is no collateral, this loan is unsecured and is mainly reliant on your income and credit score. This is a quick method of generating sufficient money. If the interest rate is decent, it is best to opt for this option. These kinds of loans can give you maximum flexibility. It’s simple to apply for a medical loan, and if you are approved, the money will be deposited in your account in one lump sum. Then it’s just a matter of making the regular monthly payments according to the rates and terms you’ve selected.
Here are some of the options where you can apply for a medical loan incase needed. (External website links for information purpose only.)