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Commercial Insurance Direct Payment Service

Medical services at GCCC are covered by most commercial insurance plans and our list of participating companies is updated regularly. If your insurance plan is not yet included, please call our service hotline for more information.

How to use your commercial insurance plan at GCCC?

We will direct bill your insurance company for each of your visits. You only are required to pay for expenses that are defined as self-pay or non-deductible by your insurance policy.  This should be similar to payment at other clinics. The amount of expense coverage by your insurance company depends on the plan you hold. Should you have any questions about your insurance coverage benefits, please call the telephone number on the insurance card. You will need to pay for expenses not covered by your commercial insurance.

Insurance direct payment list

Medical insurance recommendations

How to find the most suitable medical insurance plan for me?

There is significant amount information online regarding medical insurance plans. How can you find the most suitable plan for yourself, your family or your employees?

For a patient at GCCC, it will be most convenient to have a medical insurance plan with direct settlement relationship with GCCC. There are 20 international insurance institutions that have direct settlement arrangements with GCCC, with more insurance company relationships in development.

Some insurance plans are designed for people who see a doctor more often. The services covered will be very detailed, including services such as annual physical examination, breast mammography, genetic testing, prostate examination, vaccination, and dental care.  Simpler insurance plans may provide only basic medical protection, or be specially designed for support of emergency rescue and major illnesses.

Tips for choosing medical insurance

Annual claim limits: the annual claim limit set by a medical insurance plan can range from less than $100,000 to millions of dollars. A higher the claim limit often allows for better protection from the high expense of major emergencies and hospitalization.

Pre-existing disease coverage: generally, medical insurance plans for individuals and small institutions do not pay insurance benefits for pre-existing diseases and conditions. However, some health insurance plans may cover certain past conditions. When you apply for such an insurance plan, the insurance company may require you to provide a complete medical record to confirm whether your prior or existing illnesses are covered by the insurance.  Often such insurance plans are two to three times more expensive than plans without coverage of pre-existing disease coverage.

Coverage of outpatient treatment: when you only consult a doctor through a clinic appointment rather than hospitalization, your care is considered outpatient. Outpatient services may include doctor consultation, laboratory tests, prescription drugs and subsequent examinations. If you have been to an outpatient clinic for diseases such as a fever in the past two years, you may consider whether the outpatient services were covered by your insurance plan.

Annual physical examination and routine treatment: large group insurance plans usually cover an annual physical examination and routine treatment services. Insurance plans for individuals or small companies may also cover these services, though a waiting period may be required. Sometimes mammograms, genetic tests, prostate tests, vaccinations and eye services fall into this category. You may contact your insurance company to confirm the relevant requirements and terms.

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