Financial & Insurance FAQs
You can find the answers to most all of your financial and insurance questions here.
Don’t see your question?
Contact your local Hope Enrichement Center office for more details.
Southaven, MS 662.536.6210
Memhpis, TN 901.440.8580
Palos Heights, IL 708.448.7848
Oxford, MS 662.638.3538
Corinth, MS 662.536.6210
Email: info@hopeenrichmentcenter.com
Click the button below to learn about the Good Faith Estimate.
Good Faith EstimateLegal Fees & Court Action
The Hope Enrichment Center offers services to assist you in your legal journey, as well as other things that you may encounter during your time dealing with the legal system. Click below to learn more
Learn MoreFrequently Asked Questions
What is a Copay?
This is a set amount you pay for certain services. When there is a copay, you do not have to meet your deductible before benefits are paid on your service.
What is a Deductible? The amount that you will be responsible for before insurance will start to pay any portion on claims.
What is Coinsurance?
The shared cost between the insurance company and the member. This amount is owed on services done in an office visit or after your deductible is met.
What is an Out of Pocket Maximum?
This is the most that you will pay in a calendar year for covered services. In your plan, this includes your deductible – not in addition to your deductible.
What does In-Network mean?
In-Network physicians and providers have direct contracts with your insurance company legally preventing them from charging you more than insurance adjusts your claims for.
What does Out-of-Network mean?
Out of Network physicians and providers do not have contracts with your insurance company. They may “accept” your insurance, but they can still charge you more than insurance says you owe because there is no contract between them to take the insurance payment as payment in full.
What are Network Providers?
Doctors, hospitals and other healthcare providers who have an agreement/contract with insurance companies agreeing to charge a discounted amount for services they render.
What is Pre‐Authorization? Certain procedures or hospitalizations may require that the provider receive authorization. The provider is typically the one to go through this process with the insurance company and obtain pre-authorization.
What are Explanation of Benefits (EOB)?
The EOB is mailed to the employee after a claim is received and processed by the insurance company. The EOB will describe how the claim was processed and outline what portion of the charges are applied to the deductible, what portion the employee is responsible for, and explain if there is a denial or error processing the claim.
What is an Appeal? If your health insurance company doesn’t pay for a specific health care provider or service, you have the right to appeal the decision and have it reviewed by an independent third party.
How do I check my insurance benefits?
If you have questions regarding your insurance benefits, please follow the
following instructions:
Look on the back of your insurance card and call the number
listed for members. You will be asked to provide your Member
ID/Subscriber ID and your Date of Birth. You will be asking about
your behavioral health benefits.
Once you are connected with a representative, please ask them
the questions listed below:
1. Do I have behavioral health benefits?
2. Is Hope Enrichment Center in network or out of network?
3. Are my behavioral health benefits subject to my deductible?
4. (If YES) How much is my individual deductible?
(If NO) How much will I have to pay after my deductible has been
met?
5. How much will my copay be for CPT code 90837 and 90791
(Individual Psychotherapy)?