Billing Frequently Asked Questions
Thank you for choosing the Mankato Clinic for your health care needs. The Mankato Clinic Patient Financial Services team understands the complexity of medical charges and insurance plans and are available to answer any questions or concerns you may have.
Mankato Clinic Account Representatives are available by telephone at 507-389-8507 from 7 a.m. to 5 p.m. Monday through Friday.
Below are frequently asked questions (FAQ’s) about the billing process that may help:
Click on the link here to pay your bill online.
The Mankato Clinic will accept all types of insurance; however, the Clinic has designated contracts with the following insurance companies:
- Allina/Aetna
- America’s PPO
- Blue Cross Blue Shield
- First Health Network
- Health Partners
- Humana Medicare Advantage
- Medica (not applicable for psychiatry providers)
- Medicare, including Medicare Advantage Plans
- Minnesota Medical Assistance Programs: UCare, Minnesota Care, Medical Assistance, South Country Health Alliance, and Blue Plus
- Multi-Plan
- Selectcare (not applicable for psychiatry providers)
- Sanford Health Plan
- Three Rivers
- TriCare
- United Health Care
All co-pays will be collected at the time of check-in or during the mobile pre-registration process. Please check with your insurance company for the requirements of your policy.
The Mankato Clinic will file insurance claims on your behalf when current insurance information is on file and according to your health plan’s requirements. Please arrive 15 minutes before your appointment and check in at the department. Bring your current insurance card to each visit to help ensure your bill is processed quickly and accurately. You can also update your insurance during mobile pre-registration process.
For certain procedures and tests, we utilize outside facilities for portions of the testing. For example: You may have had an ECHO done here but Minneapolis Heart Institute (MHI) read the results of the ECHO. You will receive a bill from MHI for reading the results and a bill from the Mankato Clinic for the actual test.
Dermatology-Testing of specimens (pathology) billing may come from Mayo Clinic Health Systems or University of Minnesota Fairview.
OB/GYN- For certain procedures where specimens are obtained, testing will be billed by Mayo Clinic Health Systems and the procedure will be billed by the Mankato Clinic.
Lab-If labs are sent to Mayo Clinic Health System for testing, Mankato Clinic would bill for the blood draw only and Mayo Clinic Health Systems would bill for the testing.
It is common for a preventive care visit to also include evaluation or treatment of a health issue. When this occurs, both services may be billed to your insurance, and the health issue may prompt a copay, deductible, or coinsurance.
If a screening or preventive visit results in the diagnosis or treatment of a health issue, those services may be considered diagnostic rather than preventive and may not be fully covered by insurance.
For example, you may schedule an annual physical expecting it to be covered at 100%. If you also discuss a new health issue—such as back pain—the evaluation and treatment of health issue may be billed separately from the preventive exam.
Screening: Testing is done to look for disease in patients without signs or symptoms. An annual mammogram would be an example of a screening.
Diagnostic: Testing is done for patients who have signs or symptoms of a specific illness or disease, or patients that have had a positive/abnormal results on prior testing.
An IPPE is not actually a physical exam, but rather it is an initial visit with introduction to Medicare and covered benefits, and it focuses on health promotion, disease prevention and detection to help keep you healthy. This can be done at the same visit as your annual physical exam allowing both to be billed.
An AWV is an annual wellness visit with your provider that includes a personalized prevention plan of service, not a routine check-up. This can include when you should have certain screening tests done, immunizations, etc. This may be done at the same time as your annual physical exam allowing both to be billed.
All charges are due and payable upon receipt of a patient bill.
Mankato Clinic has partnered with BankVista to offer patients an easy and convenient option to finance your healthcare expenses.
- No credit check
- Select the amount of your monthly payment
- Fixed interest rate
- No prepayment penalties
- Financing available on balances of $250 or more
- Consolidate family member balances into one monthly payment
- Questions about enrollment? Call 1-507-389-8507
- Frequently Asked Questions for BankVista Financing Program
Patients who do not follow the Financial Policy, will receive a series of notification letters. The Mankato Clinic may use a professional collection agency when a payment of service is not met.
If you have a past due balance, elective services (services that are not medically necessary, such as Lasik eye surgery, cosmetic procedures, etc.) will be referred to a Patient Account Representative for review. At that time, services and insurance coverage may be discussed. Any past-due balances on the account will be required to be paid up front, and payment in full will be required prior to the service being performed.
Mankato Clinic Account Representatives are happy to answer any questions or concerns that patients have regarding billing.
Your Account Representative will guide you through the medical billing process by:
- Gathering information from various insurance specialists.
- Checking with medical coding staff when questions arise regarding proper billing of services. Complicated questions and concerns may be addressed by supervisors when necessary.
- Reaching out to you if your account is past due and offering assistance in resolving unpaid balances.
- Offering counseling for various methods of financial assistance, including public assistance programs.
- Accepting credit or debit card payments over the phone.
- Sharing resources to determine insurance coverage.
Paperless billing
View and pay your statement online
Safe and secure payment method
Set-up autopay
View/print statements up to one year
A Team Focused on Your Health
At Mankato Clinic, we practice a health care home model of care. A health care home offers you a core team of trusted providers led by your primary care doctor. Your team helps you manage every aspect of your care, working together with you to keep you well and manage ongoing chronic illnesses, as well as reduce your risk of developing a chronic disease in the future. Learn more here: Health Care Home Model of Care