Thank you for choosing Optim Health System. We are committed to the success of your medical care and know there may be questions concerning insurance coverage and financial responsibilities. For your convenience we have compiled FAQ’s on the most commonly asked questions about insurance coverage. By providing a summary of your financial responsibilities, we hope to alleviate any concerns and more importantly; getting you feeling back to you.
Q. CAN SOMEONE EXPLAIN MY INSURANCE BENEFITS TO ME?
A. We have financial counselors at all facilities that are available to discuss your specific benefits with you.
Optim Surgery Center – Savannah: 912.629.3508
Optim Medical Center – Tattnall: 912.875.8092
Optim Medical Center – Screven: 912.564.7426
Below are some general definitions that you may find helpful as well:
Deductible: the specified amount an insured patient must meet prior to their insurance
company paying on a claim.
Out-of-Pocket Max: The most you will be required to pay during the policy period (typically a year).
Co-Insurance: The percentage a patient is required to pay AFTER the deductible has been met, but BEFORE the out-of-pocket max has been reached.
Co-Pay: A fixed payment for a covered service each time the insured patient receives that service.
Q. CAN SOMEONE HELP ME WITH MY ESTIMATED COSTS BEFORE SURGERY?
A. Yes! Our Financial Counselors can assist in providing estimated charges, please contact the facility you are scheduled for surgery with Monday-Friday from 8:30 AM – 5:00 PM.
Optim Surgery Center – Savannah: 912.629.3508
Optim Medical Center – Tattnall: 912.875.8092
Optim Medical Center – Screven: 912.564.7426
Q. WHO NOTIFIES INSURANCE ABOUT MY SURGERY?
A. We have a team of Pre-certification Representatives who have been trained in working with insurance companies to ensure they are informed of your upcoming procedure and obtain the necessary approval prior to the date of service. Typically this process requires time. Please be patient as our representatives get all necessary records sent to your insurance for review. Any insurance issues will be communicated back to the physician’s medical staff and to you as needed.
Q. WHAT ARE MY PAYMENT OPTIONS?
A. We accept payment by cash, check, VISA, MasterCard, Discover, and American Express. A photo ID and insurance card(s) will be required at check-in.
Q. CAN I PAY MY BILL ONLINE?
A. Yes! Please visit our online bill pay for payment options.
Q. DOES OPTIM TAKE MY INSURANCE?
A. Optim Health System facilities accept a wide array of commercial plans, as well as, most Medicaid,Medicare and Tricare plans. We also work with most MVA and Worker’s Compensation claims. If you have questions about your policy specifically, please contact a Financial Counselor at the facility you are scheduled to have your surgery with Monday-Friday from 8:30 AM – 5:00 PM.
Optim Surgery Center – Savannah: 912.629.3508
Optim Medical Center – Tattnall: 912.875.8092
Optim Medical Center – Screven: 912.564.7426
Q. WILL I RECEIVE MORE THEN ONE BILL FROM MY SURGERY?
A. Yes. The physician, anesthesiologist, and facility all bill separately. Therefore, you can expect at least three bills from your procedure. However, we can work with these providers to give you a complete estimate prior to surgery.
