Frequently Asked Questions (FAQS)
Question: What insurance carriers does MANA participate with?
MANA participates with Aetna, United HealthCare, Oxford, CoreSource, QualCare PPO, NJ Medicaid, Horizon Blue Cross Blue Shield of New Jersey, Cigna and Prime Healthcare.
Question: MANA is the only neonatology group that works out of the hospital where my baby was born. What happens if you don’t participate with my insurance carrier?
We will be happy to file all insurance claims for you regardless of our participation status with a carrier. If your carrier leaves you with a balance in excess of the amount you would have been responsible for had you used a participating provider, we will provide you with detailed instructions on how to file an appeal with your carrier.
Question: Why did my insurance carrier send a check(s) directly to me?
Certain carriers will not pay non-participating providers and choose instead to send checks directly to their insured. It is your responsibility to turn those checks over to our office. You can simply endorse the back of the check and send it to us in the pre-addressed envelope included with your statement.
Question: The hospital participates with my insurance carrier. Why doesn’t MANA?
We make every effort to secure contracts with all of the major carriers. If we are unable to negotiate an equitable agreement with a carrier, we provide services as out-of-network providers and then work with you to ensure that you are getting the insurance benefits that you are entitled to.
Question: Can I pay my bill via credit card?
Yes, we accept VISA, MasterCard, and American Express. Please call our office to provide your credit card information to one of our Billing Specialists.
Question: What is deductible and co-insurance? Am I responsible for paying them?
A deductible is a fixed dollar amount that you pay on a yearly basis before your carrier begins to cover medical expenses. Co-insurance, normally expressed as a percentage, is a sharing of medical costs between the carrier and the insured. A 90/10 plan means that the carrier will cover 90 percent of the medical expenses after the deductible, and the insured will cover 10 percent. Deductible and co-insurance amounts are your responsibility and cannot be waived. MANA will bill you according to the specific terms of your insurance policy.
Question: My policy has a very high dollar deductible and/or co-insurance. Can I make monthly payments?
Please call our office and speak with one of our Billing Representatives. We will be happy to work with you to develop a reasonable payment plan.
Question: Why am I getting a bill for newborn hearing screening?
The State of New Jersey mandates that every baby receive newborn hearing screening prior to discharge from the hospital. A member of the MANA Audiology Team performs and interprets the screen.
If you have additional questions, please call to speak to one of our Billing Specialists at (866) 518-2229.