Insurances & Medicare

Bend Memorial Clinic accepts most insurance and as a courtesy we bill both your primary and secondary insurance plans. Understanding your insurance coverage is your responsibility. You should verify with your insurance which provider/facilities are in your network. Some plans within an insurance carrier’s portfolio have restrictions and/or requirements. In order to avoid insurance surprises, check with your insurance carrier for specific eligibility, benefits, provider panel as well as any referral requirements that may apply.

Our billing team is available by phone at 541-317-4200 or email at info@bmctotalcare.com to assist when needed.

Please have your current insurance card available when scheduling appointments and be prepared to give this information to us as some providers may not be accepting certain insurance plans.

The list below represents insurance carriers we most commonly bill on behalf of our patients. This list is subject to change and may not include all insurance or networks we bill. Contracting with an insurance company does not guarantee coverage or payment. Patient deductibles, co-insurance, co-pays, and non-covered services are the responsibility of the patient and are due at time of service.

Insurance and Networks Accepted Include:

  • Aetna
  • Ameriben
  • Cigna/ Great West
  • First Health/Coventry
  • First Choice
  • HealthNet
  • Humana
  • LifeWise
  • Marquis
  • Medicare
  • Moda
  • PacificSource
  • Providence
  • Regence
  • Tricare
  • United Healthcare

Bend Memorial Clinic accepts Medicare, Medicare Advantage and all supplemental Medicare plans. Because Medicare changes frequently, it’s helpful to visit the Medicare website for the most up-to-date information.

BMC is a participating provider with Medicare. We have a contract with Medicare to provide services to entitled beneficiaries. Medicare patients will be billed only for deductibles, co-pays and non-covered charges.

As a participating Medicare provider, BMC is required to screen Medicare patients according to the Medicare Secondary Payor (MSP) rules. At each visit, BMC representatives will ask you the MSP questions. These questions will help to confirm if Medicare or another payer should process the claim as the primary insurance.

This may add some time to the check-in process; we apologize for any inconvenience and appreciate your understanding.

Medicare supplemental insurance

If you have additional insurance coverage in addition to Medicare, BMC will bill your supplemental insurance company for any amounts Medicare does not pay. Medicare supplemental and retirement plans may not cover the entire balances after Medicare. Amounts not paid by Medicare or other insurance will be your responsibility.

Medicare as a secondary insurance

Medicare will not cover you for your primary insurance if:

  • You or your spouse are still working and is covered by an employee group health plan
  • Your were involved in an automobile accident
  • You were injured and some other party may be liable for the injury. This includes Workers’ Compensation claims for Medicare insured persons who are still working

In these cases, please provide information regarding the employer group insurance, automobile coverage, or the Workers’ Compensation claim. A Medicare claim will be submitted for any balance the primary insurance does not pay.

We know billing can be confusing and we want to help make it clear for you. We would be happy to answer any additional questions. Please call the BMC Billing Customer Service Department at (541) 317-4200 between the hours of 8a.m. and 5p.m. The Customer Service or Member Service Department from your insurance may also be able to answer specific questions for you. Often their phone number is printed on the identification card provided to you.