Business Office


Patients with Health Insurance

We find that our patient’s insurance can change, so we ask to see your insurance card at every visit. This ensures that you get the maximum value of your benefits and avoids any errors in processing

If you are unable to present evidence of insurance, then you may be held personally financially responsible for payment of all services provided.

  • Copayments are due at the time of service.
  • Payments on your account can be made at any Clinic location or through our website.
  • It is your responsibility to know your insurance benefits, identify any prior authorization requirements, and laboratory or hospital preferences.
  • We submit claims to your insurance carrier for you. You will receive a bill for any patient-due amount
    after insurance processes your claim.
  • Many preventive services or wellness visits are covered in full by your insurance, but we may need to submit a claim and bill you for medical conditions discovered during your exam.
  • We cannot change the doctor’s diagnosis codes to change the outcome of an insurer’s benefit coverage or payment.

Uninsured Patients

  • A payment of $100.00 is requested at check-in for your self-pay services. A discount does not apply if your claim is filed to insurance.
  • We offer a 20% discount for self-pay patients when paid at the time of service. (Excludes: cosmetic services, eyeglasses, hearing aids, immunizations, supplies, and pharmacy).
  • You will be asked to sign a self-pay waiver stating you do not have any active insurance.

Missed Appointments

Please give us the courtesy of 24 hours’ notice should you know you need to cancel or miss your appointment. Without such notice, a fee of $25 or $50 may be charged, depending on the time set aside for your appointment.

We Care About You

We are committed to providing you with quality and affordable health care. We recognize that health care can be expensive and health insurance confusing. That’s why we work to answer all your questions and guide you through the insurance process. If you feel that you cannot afford the healthcare you need, consult with us on the financial options available.

While changes in healthcare are inevitable, you can count on The South Bend Clinic to remain constant in our commitment to provide you and your family the high level of care you have come to expect.

If you have already visited (or plan to) the Health Insurance Marketplace website (, you know there are many plans and options available to ensure healthcare coverage for everyone.

You will want to review your choices carefully and pick what is right for you. In doing so please know we may or may not be a network participant in all of your options. So, to help in your selection, please know The South Bend Clinic is enrolled and participating in the following insurance company’s products being offered on the exchanges for 2018:

If you would like more information about plans available through the exchange, please visit their individual websites for further details.

What insurance plans do you accept?

Network/Insurance Notes Surgery Center contracted?
AARP Medicare Complete   Yes
Aetna-PPO, MC, EPO, Choice POS II, Choice POS, Open Access, Open Choice   Yes
Ambetter   Yes
Anthem   Yes
Anthem Medicare Advantage HMO   Yes
Anthem HIP (Healthy Indiana Plan)   No
Blue Cross Blue Shield   Yes
Care Source IN Marketplace OB/Gyn and ENT Depts. not contracted Yes
CHA (Community Health Alliance)   Yes
Cigna Healthcare-PPO, Open Access & Open Access Plus OB/Gyn and ENT Depts. not contracted Yes
Cigna Healthcare-POS & Network Plans OB/Gyn and ENT Depts. not contracted No
Coventry Healthcare Not all providers contracted-call to verify No
Encore Health Network   Yes
First Health Network Not all providers contracted-call to verify No
Goshen Preferred Network   Yes
Humana-PPO, POS, HMO, Open Access Choice Care Network only Yes
Humana Medicare Plans   Yes
Lucent Health Skyline Corp employees only Yes
Lutheran Preferred   Yes
Medicaid – Michigan ENT Dept. only at MI location No
Medicaid – Indiana Managed Health Service Plans & Traditional only Yes
MHS HIP (Healthy Indiana Plan)   Yes
Medicare Part B   Yes
Parkview Signature Care   Yes
PHP/Physicians Health Plan   Yes
PHCS   Yes
Railroad Medicare   Yes
Sagamore Health Network   Yes
Select Health Network OB/Gyn and ENT Depts. not contracted Yes
Unicare   Yes
United Healthcare   Yes
United Healthcare Medicare Solutions   Yes

Where do I find the HIPAA form?

You will find the HIPAA under our patient forms section.

Where do I send the HIPAA form once it is completed?

Mail to:

Attn: Release of Information (Health Information Management Department)
211 North Eddy Street
South Bend, IN 46617


Fax: 574-204-7656

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