Rush University Medical Center and Rush Copley medical centers both have customer service representatives and financial counselors available Monday through Friday who can assist in understanding and managing your insurance coverage. They’re available Monday to Friday.
Rush University Medical Center is widely respected for patient care, research and teaching. Their new medical hospital, The Tower, officially opened for business on January 2012!
RUSH Health Plans is dedicated to serving the Affordable Care Act marketplace and has teamed up with Ambetter of Illinois to offer market-driven health plans. In addition, RUSH offers Medicare Advantage plans from multiple trusted networks.
What is HIPAA?
HIPAA (Health Insurance Portability and Accountability Act) is a United States federal law that establishes national standards to safeguard personal health information. Furthermore, this act specifies how healthcare and healthcare insurance industries must handle private data.
Covered entities (healthcare providers, health plans, clearinghouses and their business associates) cannot share an individual’s medical records with anyone without prior consent from that individual. This law does not prevent people from sharing this information voluntarily with family or friends nor limits access to one’s own records (with some limited exceptions).
HIPAA’s Privacy Rule establishes what types of personal health information (PHI) fall under its jurisdiction. Additionally, it specifies how covered entities and business associates may use and disclose PHI; individuals have access to their PHI; as well as safeguards for electronic PHI (ePHI).
Healthcare workers must abide by HIPAA regulations in order to remain compliant. There can be violations in many forms including lack of employee training, loss or theft of devices containing unencrypted PHI and improper disposal.
Further complicating matters for healthcare, opioid addiction and overuse present additional difficulties that must be met by businesses in order to be viable. It could result in changes to HIPAA rules and regulations; for instance, new laws that aim at combatting this epidemic could mandate additional data protection requirements on electronic medical records of substance abuse treatment patients. It’s essential that all businesses know these regulations and comply with them accordingly in order to avoid costly penalties.
What is a Deductible?
A deductible is the annual out-of-pocket expense you must cover before your insurance company begins sharing costs for most medical services or medications, usually calculated separately from monthly premium payments and typically reset each year. Certain healthcare expenses do not count towards deductible payments such as routine exams and cancer screenings.
Some individuals opt for higher deductible health plans in exchange for lower monthly premiums, yet it’s crucial that they understand the costs associated with meeting them before initiating healthcare services. A health savings account could help offset some of those costs associated with high deductible plans.
When selecting a health insurance plan, it’s also important to consider if it has a family deductible. A family deductible applies to all household members who fall within its coverage and must be met before insurance coverage for each individual kicks in. Keep in mind that not all health plans feature such an obligation and some policies only cover specific treatments.
Comparing different health insurance plans and prices in the marketplace to find one that meets your needs can be done easily with financial calculators that estimate out-of-pocket healthcare costs and monthly premium costs. Furthermore, licensed insurance agents are available to help explain all your options as well as apply for financial assistance, which may be particularly useful for individuals without group health coverage through employers or Medicare.
What is Co-Insurance?
The health insurance marketplace was created to give you affordable health coverage options. Whether you are self-employed or lack group health coverage through work, the marketplace enables you to shop plans from multiple companies and compare costs and benefits before making a selection. Furthermore, depending on your income you may even qualify for financial aid to assist with payments for premiums and out-of-pocket expenses.
Rush University Medical Center and Rush Copley Medical Center currently accept several Affordable Care Act Marketplace health plan carriers, such as Aetna, Ambetter of Illinois and BlueCross BlueShield Preferred PPO Plans. Please check your plan brochure or reach out directly to them to verify whether RUSH accepts it; additionally RUSH’s customer service representatives and financial counselors are here Monday-Friday from 8 am – 4:30 pm to assist with questions on any specific plan coverage issues that might arise.
As part of their merger between Rush Health Systems and Ochsner, these organizations have expanded their clinically integrated network through a new agreement. UnitedHealthcare Medicare Advantage plan members now gain network access at Rush University Medical Center, Oak Park Hospital Copley Medical Center Copley Medical Center Riverside Medical Center as a result.
The Rush logo stands as a tribute to our historic heritage. Since 1881, Rush medical college was involved in pioneering projects at the forefront of healthcare research and development; that pioneering spirit continues today through our patients and employees.
RUSH Copley Medical Group participates in all managed care plans, from Health Maintenance Organizations, Preferred Provider Organizations and Point of Service plans to commercial and government plans. For a full list of managed care plans that RUSH Copley Medical Group participates with, click here.
What is a Co-Pay?
Co-pays or cost shares are fixed amounts that insured patients must pay towards healthcare services rendered, often at the time of service delivery. They’re an integral component of many health insurance plans as a way of spreading out financial risk between policyholders and insurers, with each paying their share more evenly over time – helping keep premiums lower while incentivizing responsible usage of their coverage.
Co-pays are an integral component of both the Affordable Care Act (ACA) and Insurance Marketplace, providing affordable health insurance options to those without access to healthcare through an employer or government program like Medicare. Through the Marketplace, individuals can browse their options – both costs and coverage details – before selecting one that best meets their needs.
UnitedHealthcare and Rush Hospital will join forces to offer their Medicare Advantage plan members in Illinois access to Rush’s hospital network, including Rush University Medical Center – one of Illinois’ top quality-care hospitals – Rush Oak Park Hospital, Rush-Copley Medical Center in Aurora and Riverside Medical Center in Kankakee.
Rush and Cigna’s new partnership provides customers in Chicago area access to Rush Health hospital system including Oak Park Hospital, Rush-Copley Riverside hospitals in Aurora and Kankakee as well as Rush Health physician group. Furthermore, this collaboration will support innovative models for providing high quality, accountable yet affordable care services.
What is a Coinsurance?
Coinsurance refers to a percentage (for instance 20%) of your out-of-pocket costs after meeting your insurance deductible. Coinsurance plays an essential role in health care plans as it reduces out-of-pocket expenses.
Copays and coinsurance charges differ by being fixed amounts charged for specific services or medications; while coinsurance refers to a percentage of total healthcare services that you pay once your yearly deductible has been met; charges from coinsurance count towards your annual out-of-pocket maximum while those of deductible do not.
When it comes to your health insurance, always work with an experienced insurance professional who can explain your coverage and benefits. Ochsner Rush Health’s team of licensed professionals are on hand to assist with all your health insurance needs.
Individual health insurance marketplaces or state exchanges offer affordable options for those without access to group health coverage through their employer. Plans such as Medicare Advantage Plans can typically have networks which differ by carrier.
Before scheduling appointments under your Medicare Advantage Plan, it’s crucial that you check its provider network to prevent out-of-network charges that will increase overall medical expenses.
RUSH Copley Medical Center, located in Kendall County and offering not-for-profit healthcare, offers comprehensive cardiac, cancer, women’s, emergency and other services. From current patients to prospective visitors looking for help understanding their insurance coverage or visiting for the first time – contact them Monday through Friday from 8:30AM until 5PM by dialing extension 33425.
