Insurances & Medicare

We also typically bill your primary and secondary insurance for you. Once your insurance has been billed, you are responsible for any amount not covered, which is payable by cash, check and credit card. To avoid insurance surprises, be sure to call your health insurance company before your appointment to make sure your visit will be covered and that no limitations exist.

Questions? Ask away! Our customer service team is available by phone at 541-317-4200 or email at

At BMC, we accept a wide range of insurance plans, including:

Of course, this list can’t include every health insurance company or plan. So if your health plan isn’t listed, give us a call at 541-317-4200 and we’ll let you know if we accept it.

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.