• By Joel Streed

Buying Sunscreen: Mayo Clinic Radio Health Minute

May 28, 2015

When it comes to preventing skin cancers, we know that sunscreen is an important piece of the puzzle.  In this Mayo Clinic Radio Health Minute, Dr. Anokhi Jambusaria has some ideas on what to look for when buying sunscreen.

To listen, click the link below.

Buying Sunscreen

Any chance we would be able to use our "Benny" cards for these copays??

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Does this affect Medicare patients with co pays?

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For those of us who contribute to a FSA it would sure seem now is the time to offer a credit card that draws from our FSA account. Is Mayo planning on adding this option anytime soon and if not why?

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Re "Similar service deposit requirements are already in place in Arizona, Florida and Rochester." I have had multiple services already in 2018 and have not been asked to pay any co-pay amounts up-front. Is this only being done in certain specific practice areas or only under certain circumstances? Clarification would be appreciated.

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How will this be addressed if we have reached our out-of-pocket maximum for the year?

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@carolyncal

How will this be addressed if we have reached our out-of-pocket maximum for the year?

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What will be the lag time? If a person has met their out-of-pocket max but then has additional appointments right away, how could that possibly be tracked right away? If there is an overpayment, how will that be resolved? How long will that take?

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I wonder if member needs to speak with a Financial Counselor will this be done over phone or will the Financial Counselor meet with member when they check in? Then the question is will a private area be arranged to meet with patients?

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As a person with both medicare and medicare supplement insurance, it sometimes takes weeks for them to figure out who will pay what. So I also am wondering about what happens if an overpayment is made. Or will less attempt be made to collect from insurance if patient has already paid

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@carolyncal

How will this be addressed if we have reached our out-of-pocket maximum for the year?

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Thank you for your response, Mr. Gunnon. With all due respect, only my first question was addressed. Could you please explain what will be the process and timeline for overpayment?

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@carolyncal

How will this be addressed if we have reached our out-of-pocket maximum for the year?

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There will be very few cases when refunds are needed. Most plans require a co-payment regardless of the max out of pocket being met. Most max out of pocket plans only apply the max to deductible and co-insurance, not co-payments. Once the insurance plan has processed the claim and made payment, if a credit balance remains, a refund should be sent within a month.

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@carolyncal

How will this be addressed if we have reached our out-of-pocket maximum for the year?

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Thank you again for your prompt response. I wasn't aware that most plans require co-payments still after the out-of-pocket max is met as our employee Mayo Medical Plan does not. I appreciate the information you provided.

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Will service be denied to patients who can not afford a copay at the time of a non urgent appointment?

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Would a patient's deductible also be due before the patient can be seen? Or only the Copay? I have to say, I am disappointed that Mayo claims to set the standard for health care, yet at the same time continues to align with health care industry standards.

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I understand the need for this service but I feel it reflects negatively on the Mayo image. We are now putting the need for payment before then need of the patient.

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@amyhiggins

Would a patient's deductible also be due before the patient can be seen? Or only the Copay? I have to say, I am disappointed that Mayo claims to set the standard for health care, yet at the same time continues to align with health care industry standards.

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I am curious about this as well. When it states copay does that just mean that set amount for say an office visit, or does this mean if undergoing expensive testing where your deductible and co pay amount may be $1000 or more you have to pay this before your tests are performed?

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Mayo Clinic cancer researcher Stephen Russell, M.D. Ph.D. with VICE CEO Shane Smith