Insurance & Billing at Kyro Care
Kyro Care accepts most insurance plans, including Medicare and Medicaid, as well as cash-pay patients. We also work with out-of-network patients in certain situations, such as Personal Injury Protection (PIP) claims related to auto accidents.
For billing questions specific to your account, please email billing@kyrocare.com or call 386-400-3620.
Your Rights and Protections Against Surprise Medical Bills
When you receive emergency care or are treated by an out-of-network provider at an in-network facility, you are protected from surprise billing, sometimes called balance billing, under the federal No Surprises Act.
What Is “Balance Billing” (Surprise Billing)?
When you see a provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, or deductible. You may have additional costs, or have to pay the entire bill, if you see a provider or visit a facility that isn’t in your health plan’s network.
“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service — this is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your plan’s deductible or annual out-of-pocket limit.
When Balance Billing Isn’t Allowed
You are protected from balance billing for:
- Emergency services — if you have an emergency medical condition and receive emergency services from an out-of-network provider or facility, the most that provider or facility may bill you is your plan’s in-network cost-sharing amount.
- Certain services at an in-network facility — when you receive services from an out-of-network provider at an in-network hospital or ambulatory surgical center, in certain circumstances the most that provider may bill you is your plan’s in-network cost-sharing amount.
When Balance Billing Isn’t Allowed, You Also Have These Protections
- You are only responsible for paying your share of the cost, such as the copayment, coinsurance, or deductible you would pay if the provider or facility were in-network.
- Your health plan generally must pay out-of-network providers and facilities directly.
- Your health plan generally must count any amount you pay for emergency services or certain out-of-network services toward your in-network deductible and out-of-pocket limit.
Good Faith Estimates for Uninsured & Self-Pay Patients
If you don’t have insurance, or you choose not to use your insurance for a service, you have the right to receive a Good Faith Estimate of expected charges before your visit, under the No Surprises Act. Please let our office know if you would like to request a Good Faith Estimate, and we’ll be glad to provide one.
If You Believe You’ve Been Wrongly Billed
If you think you’ve been wrongly billed, you may contact the No Surprises Help Desk at 1-800-985-3059 or visit cms.gov/nosurprises for more information about your rights under federal law.
For questions about a specific bill from our office, please email billing@kyrocare.com or call 386-400-3620.
