Yet, it is also important to note that not all doctors and hospitals are required to offer their patients an assignment of benefits. If the physician or hospital is not a part of any of these two types of insurance plans, a patient is likely to have to deal with a different type of coverage.
No assignment assistance is necessary if you do not have any health insurance. If you are employed by your own employer, however, your benefits may be included in your company’s insurance plan. If this is the case, you will not be able to get a loan to pay for it.
If you are a patient with private insurance, a free assignment of benefits is available to anyone who is entitled to receive medical services. For example, if you have been prescribed services like eyeglasses or surgery, you can ask the doctor to cover them for you. You should be sure to use this option if you need these specific services.
If you are not covered under your company’s benefits program, you will still have to pay for medical services that were either not necessary or were not listed in your medical billing. This is a separate issue and not covered by the general assignment of benefits explanation above.
You can get a free assignment of benefits by contacting your doctor’s office or hospital. Some medical offices require you to fill out a form, while others will mail you one.
Free assignments of benefits are often used when a patient needs emergency care that is not covered by his or her insurance provider. Often, the patient has been going without being seen for health reasons, like the death of a spouse or family member. It can sometimes be more difficult to get a loan for such emergencies than to simply pay for visits at the doctor’s office.
Even with an assignment assistance, it is possible that a patient could be charged a fee for his or her treatment. The medical billing service that you use must be properly licensed and regulated by the state in which you live. In many cases, your state medical board will be able to help you determine if you are covered.
Since your medical assignment assistance can sometimes be viewed as a “bonus” by your company, some might be shocked to find out that it is a taxable benefit. However, a medical assignment assistance cannot be taxed like a bonus. And although your company’s health plan might be considered a bonus, it is not subject to taxation.
In addition to coverage for care and procedures, assignment assistance may be used for conditions related to health, such as pregnancy or childbirth. These are not taxable benefits, but your company might insist on providing additional coverage that you did not pay for. It is a good idea to make sure that your benefits agreement includes coverage for these types of issues.
If you live in a state that requires employers to provide this type of medical assistance, then the law states that your employer must make this information available to you. You will find out whether your employer offers a free assignment of benefits, if the insurance they offer is included in your benefits, and other important information.
Your assignment assistance might not be free. In most cases, you will have to pay the same fee that you would have had to pay for your insurance coverage.