Consolidated Patient Statement (CPS) Questions
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What is CPS?
Consolidated Patient Statements (CPS) are “one patient – one guarantor” based statements that will clearly show the amount owed for both physician and hospital bills.
If all your physician and hospital bills have the same guarantor, you will receive one statement. If you have different guarantors on any of your physician and/or hospital bills, you will receive one statement per guarantor.
How do I read my CPS bill?
To help with any questions you may have in regards to the new CPS bill, we have put together a sample statement with explanations and definitions for you. If you are unable to find the answer to your question on this, please contact our Customer Service department during normal business hours.
Will you bill my primary and secondary insurance?
You will need to provide us with complete primary and secondary insurance information. As a courtesy to our patients, IU Health submits bills to your insurance company(s) and will do everything possible to advance your claim. However, it may become necessary for you to contact your insurance company or supply additional information to them for claims processing requirements or to expedite payment.
Do you offer payment arrangements?
With CPS, IU Health has implemented a new minimum monthly payment amount feature. This allows you to make a minimum payment each month, for up to twelve months, without having to contact our Customer Service department.
Each month, your statement will tell you what your current month's minimum payment amount is. That amount must be paid in a timely fashion to keep your invoices from being sent to one of our collection agencies.
Why am I receiving a refund check?
We received an overpayment on your invoice. Either you paid too much on the invoice and/or your insurance paid at a later date and covered some of what you had already paid.
Why did my insurance company deny the claim?
There are several reasons why your insurance company may deny your claim. One or more of the following may apply:
- The service you received was not covered under your plan
- You did not provide the correct insurance information at the time or service
- The service you received was from a physician outside of your plan’s network
- You were not covered by the plan at the time of service
The Explanation of Benefits (EOB) or Explanation of Payment (EOP) sent to you by your insurance company should explain in more detail why they denied either a portion or all of the claim. If you receive a denial from your insurance carrier and still have questions, you should contact them to better understand the reason for the denial.
I don't have insurance. Is there any help available?
We can assist you in several ways. If you do not qualify for any type of government programs, we can review your financial status to see if you qualify for the hospital Financial Assistance Program.
Also, in order to ensure consistency and fairness for uninsured patients, our policy sets guidelines for providing a financial adjustment to any uninsured patient who obtains medically-necessary or emergency services from IU Health.