Questions about billing terms? Please view our glossary below.

  • Assignment of Benefits: An agreement in which you instruct your insurance organization to pay the hospital, physician or medical supplier directly for your medical services. Your insurance organization decides the payment rate.
  • Balance: The amount owed to Acadian Ambulance indicated on the billing statement.
  • Charges: Debt incurred for medical service a health care provider or medical facility provided.
  • Commercial Health Insurance: Private or employer base health insurance.
  • Co-payment/Coinsurance: An amount established by the insurance company as the patient’s responsibility of billed fees.
  • Coordination of Benefits (COB): How insurance organizations determine the primary payment source when you’re covered under more than one insurance organization or group medical plan. Your insurance contract states that if you are covered under more than one insurance plan, benefits will be coordinated so that total benefits paid will not be more than 100% of the bill. COB for children covered by both parents is determined by the parent with the earliest birthday (month and day only) in a calendar year.
  • Covered Services: Specific services or supplies for which your insurance reimburses you or pays your health care provider. These consist of a combination of mandatory and optional services and vary by insurance benefit plan.
  • Customer Number: Each patient is assigned one unique number for identification in Acadian’s system.
  • Deductible: An amount determined by the insurance company to be paid on an annual basis before benefits are paid to the provider.
  • DOS: Date of Service.
  • Explanation of Benefits (EOB)/Medicare Summary Notice: A document provided by the patient’s insurance plan/Medicare detailing how benefits are processed and paid for services rendered.
  • Guarantor: The person responsible for paying the bill.
  • Non-covered Services: A service not covered under the limits of the patient’s health insurance contract. These amounts are the patient’s responsibility to pay. Patients should direct questions about coverage to their insurance plan.
  • Non-Participating Health Care Provider: A health care provider who isn’t under contract with an insurance organization to accept patients and receive the insurance organizations approved amount on all claims. (You pay the difference between its approved amount for a service and this health care provider’s charge.)
  • Participating Health Care Provider: A health care provider who contracts with an insurance organization to accept patients and receive the insurance organizations approved amount on all claims.
  • Pre-Authorization/Pre-Certification: Requirement of your insurance company to determine medical necessity for services rendered. Pre-certification does not guarantee benefits for payment. Benefits are based on policy provisions in force at the time services are rendered. Questions about pre-certification requirements in your contract should be directed to your insurance plan.
  • Primary Insurance: The insurance organization with first responsibility for paying eligible insurance expenses for your medical service (after you have paid your deductible, co-payments, etc.). Your secondary or other insurance (if you have other insurance) would work with your primary insurance organization to cover eligible expenses according to your insurance policies.
  • Proof of Health Insurance: A valid insurance card including the address where claims are to be filed.
  • Secondary Insurance: The insurance organization with second responsibility for paying eligible insurance expenses for your medical service (after you have paid your deductible, co-payments, etc.). This insurance (if you have it) would work with your primary insurance organization to cover eligible expenses according to your insurance policies. This insurance organization is billed second – after your primary insurance organization has been billed and processed your claim.
  • Statement: A record of account status sent to patients monthly to advise of the previous period’s transactions and activity on the account.
  • Tertiary Insurance: The insurance organization with third responsibility for paying eligible insurance expenses for your medical service (after you have paid your deductible, co-payments, etc.). This insurance (if you have it) would work with your primary and secondary insurance organizations to cover eligible expenses according to your insurance policies. This insurance organization is billed third – after your primary and secondary insurance organizations have been billed and processed your claim.
  • Uninsured Patient: A patient without medical insurance.