Billing & Insurance

Paying for Care

Our focus at Millennium Physicians is helping you manage resources and understand the financial aspects of your care. Your financial counselor can answer questions about your insurance coverage and payments. If you would like assistance from a family member, you will need to complete the Authorization of Disclosure of Financial Information form so that we will be able to release financial information to that person.


Patient Billing

We will bill your insurance carrier. If services are provided but not covered by your insurance, you will be responsible for those charges. If you are a self-pay patient, payment is requested prior to receiving treatment. If you have questions about, please contact the appropriate billing department.


Statements are mailed monthly if you have an account balance of $5 or more. The statements keep you informed of your insurance company’s payments, as well as any balances that may be owed after your insurance claim has been paid. Your balance is due upon receipt of the statement. We encourage you to contact your insurance company if claims are not paid within 45 days. Please save the explanation of benefits (EOB) notice your insurance company sends you. These notices are essential in determining what portion of your bill you may be required to pay.

Lab, Radiology and Pathology Billing

There may be occasions when tests must be sent to an outside lab for analysis. You will receive a separate bill from the lab, you should contact them directly with any billing questions.

Clinical Trials

At any point, we have more than 20 open clinical trials researching breakthrough treatments for cancer. If you are participating in a clinical trial, the trial sponsor or your insurance company may cover some of the charges. You will be responsible for the charges not covered.


Payment Options

We accept cash, check, or credit cards (Visa, MasterCard, American Express, and Discover). Payment may be made either are your center or by phone. Payment is applied to charges as indicated on your statement. If you pay less than the full balance, your payment will be applied to the oldest charges.

Financial Counselor

We provide financial counseling to patients and their families to assist in alleviating the stress and strain that can occur. Assistance your financial counselor is available to provide includes:

  • Obtaining referrals and pre-authorizations for your treatment
  • Obtaining verification of insurance benefits
  • Answering questions about account balances
  • Helping identify sources for payment assistance
  • Managing resources and working through financial difficulties caused by your disease

Once you and your physician have finalized a treatment plan, your financial counselor will provide an estimate of your benefits and out-of-pocket expenses. Please keep in mind that any unpaid balances remaining after your insurance has paid the claim(s) will be your responsibility. Talk with your financial counselor, nurse, or physician if you are having financial difficulties. Your financial counselor can assist you in resolving problems and may be able to help you obtain financial assistance, but we need to know as soon as possible to avoid disruption in health insurance coverage.

It’s important to stay current on your insurance premiums to keep your benefits in effect. Your insurance policy could require that you are responsible for full payment of your healthcare expenses for any time periods your premiums were not paid.


What You Should Bring at Your First Appointment

We will need to know your medical history and the care you have received. Please bring the following items to your first appointment:

Medical Records

We’ll require medical records concerning your cancer diagnosis and treatment but need authorization. These records include:

  • Clinical notes from your doctor
  • Diagnostic films (x-ray, CT, PET, MRI) and reports
  • Pathology, lab and surgical reports
  • Treatment summaries
Referring Physician Information

Your oncologist will need to communicate directly with your primary care and/or referring physician(s). This allows us to share information and determine the best treatment for your disease. Your Millennium Physicians medical team may send copies of your test results and reports to your other doctor(s) and follow-up with them for collaboration on your cancer and treatment plan.

Insurance and ID Cards

Please bring your insurance card and photo ID. If your insurance company requires a referral for your first visit, please make sure your referring doctor has sent it to us. We’ll verify your insurance coverage and benefits and let you know any out-of-pocket expenses you will incur at the time of the visit and file insurance claims on your behalf. If we can’t validate your referral or insurance coverage prior to your first appointment, we may need to reschedule your appointment, or you may be financially responsible for your visit.

Questions and Concerns

We encourage you to bring a list of questions to discuss with your physician. We’ll allow as much time as you need to answer all of your questions, explain your cancer type, your treatment options and outline next steps.


At your first appointment, you’ll be asked to complete several patient forms. You can save time by printing and completing them in advance and bringing them with you.


Please bring a complete list of all medications you take, the bottles and packages, or your completed Medication and Allergy List form.

Insurance Plans

Millennium Physicians participates in the following insurance plans. Insurance plan participation varies by provider and not all insurances accepted are listed, so please call prior to your appointment to verify your insurance plan is accepted.

  • AARP Medicare Complete
  • Aetna Elect Choice EPO
  • Aetna HMO
  • Aetna Managed Choice POS
  • Aetna Medicare Choice PPO
  • Aetna Medicare Premier HMO
  • Aetna Medicare Prime
  • Aetna Open Choice (Health Fund)
  • Aetna Open Choice PPO
  • Aetna Medicare Value PPO
  • Aetna Select
  • Aetna Whole Health (MHMD)
  • Ambetter by Superior
  • Amerigroup MMP
  • Amerigroup STAR
  • Amerigroup STAR PLUS
  • Amerivantage Classic (HMO)
  • Amerivantage Dual Coordination (HMO-SNP)
  • Amerivantage Dual Premier (HMO-SNP)
  • Amerivantage Dual Secure (HMO-SNP)
  • Amerivantage ESRD (HMO-POS-SNP)
  • BCBS Medicare Advantage HMO
  • BCBS Medicare Advantage HMO SNP
  • BCBS Medicare Advantage Value HMO
  • BCBS TX ParPlan
  • Blue Advantage HMO
  • Blue Advantage HMO Plus
  • Blue Choice PPO
  • Blue Cross Medicare Advantage PPO
  • Blue Essentials
  • Blue Essentials Access
  • Blue Premier / Premier Access (MHMD)
  • Care Improvement Plus
  • Cigna City of Houston (MHMD)
  • Christus / USFHP
  • Cigna HMO
  • Cigna PPO
  • Cigna Sure Fit (MHMD)
  • Cigna LocalPlus
  • Cigna OAP Choice
  • Cigna OAP
  • Community Health Choice Marketplace
  • Community Health Plan STAR
  • Devoted Health
  • Healthcare Highways CarePlan
  • HealthSCOPE Benefits (Memorial Hermann Walmart)
  • HealthSmart
  • HealthSpring RPO
  • Humana EPO
  • Humana HMO
  • Humana HMOx
  • Humana HMO Gold Plus
  • Humana Medicare HMO
  • Humana Medicare PFFS
  • Humana Medicare PPO
  • Humana POS
  • Kelsey-Seybold
  • Medicare
  • Medicare RR
  • Medicaid
  • Memorial Hermann Care/Catastrophic
  • Memorial Hermann Choice
  • Memorial Hermann Health Plans
  • Memorial Hermann Select HMO/PPO
  • Molina Marketplace Program
  • Molina Medicare
  • Molina STAR
  • Molina STAR+PLUS
  • PHCS/Multiplan
  • Texan Plus - Genesis IPA
  • Texan Plus - Houston Direct IPA (Tomball)
  • Texan Plus - Millennium IPA
  • Texan Plus - NW Diagnostic IPA
  • Texan Plus - Village MD
  • TriCare
  • UHC Choice
  • UHC Choice Plus
  • UHC Connected MMP
  • UHC Core
  • UHC Doctor’s Plan
  • UHC Dual Complete HMO
  • UHC Dual Complete PPO
  • UHC Medicare Advantage HMO
  • UHC Medicare Advantage PPO
  • UHC Medicare Erickson
  • UHC Medicare Gold
  • UHC Medicare Nursing Home Plan
  • UHC Navigate
  • UHC Options PPO
  • UHC Select
  • UHC Texas STAR
  • UHC W500 Emergent Wrap
  • VA PC3
  • WellCare

Key Terms


A method of cost-sharing between you and your insurance provider. You pay a percentage of costs as part of your contract with your insurance provider. You pay this amount even if your deductible has been met. For example, you may pay 20% of the costs of your services even after you have met your deductible.


The fixed dollar amount that you must pay out-of-pocket prior to or at the time of service. This amount is pre-determined and varies by insurance provider. It is based on your plan type and the type of service being provided. MD Anderson is contractually obligated to collect co-payments from patients when a co-payment applies to the services being provided.


The specified amount you must pay for health care expenses before insurance covers the remaining costs. It is your part of the contract with your insurance provider.

In network

The hospitals, doctors or other health care providers who have a contract with your insurance provider. The plan you have covers the costs of these health care providers. You may still have to pay a co-payment.

Insurance provider

A company you pay to help you cover your health care costs. This company has different plans and policies for its members. It makes payments to hospitals and health care providers on your behalf.

Out of network

Hospitals, physicians or other health care providers who do not have a contract with your insurance provider. Your insurance will not cover the costs, so you will be responsible for paying for the services provided to you.

Out-of-pocket costs

Health care costs, such as deductibles, co-payments and co-insurance, that are not covered by insurance. Out-of-pock costs do not include premium costs.

Out-of-pocket maximum

A yearly cap on the amount of money you are required to pay out-of-pocket for health care costs, but not including the premium cost.


The amount you pay, often monthly, for health insurance. The cost of the premium may be shared between employers and government purchasers and patients.