Our team will work with you to find a way to get you engaged in care and keep your out-of-pocket costs as low as possible.

Billing and Insurance

Whether you have private insurance, Indiana Medicaid, Medicare, or even if you are not currently insured, Damien Center wants to work with you to find a way to get you engaged in care and keep your out-of-pocket costs as low as possible. If you need help with obtaining insurance coverage, our Insurance Enrollment Team can assist you in finding the right coverage that meets your needs. Please present your insurance card and photo ID at each visit. Copays, coinsurance, or deductibles may be due at the time of your visit.

Conveniently pay your bill using HealowPay!

If you have questions about a billing statement you received or a general billing question, please submit a Financial Services Inquiry by clicking here.

How can I pay my bill?

We accept payment by check, credit card, debit card, and cash (only at the 26 N Arsenal Ave Location). For convenience, you can pay your bill online via your patient portal HERE or at any Damien Center location. We do not accept payment over the phone.

What insurance plans are In-Network?

We provide this list as a resource to help you determine whether we accept your specific health insurance plan. This list is not exhaustive. We encourage you to contact your insurance company first if you have any questions about whether your specific health insurance plan will be accepted. You will be responsible for any out-of-pocket costs associated with your insurance plan.

Commercial Plans

  • Aetna (PPO)
  • Anthem Blue BCBS (PPO)
  • Ambetter by MHS
  • CareSource
  • Cigna (PPO)
  • Community Health Direct
  • Encore Health Network (PPO)
  • Humana (PPO)
  • Sagamore
  • United Healthcare

Healthy Indiana Plan (HIP)

  • Anthem
  • CareSource
  • MDwise
  • MHS

Hoosier Care Connect

  • Anthem
  • MHS
  • United Healthcare

Hoosier Healthwise

  • Anthem
  • CareSource
  • MDwise
  • MHS

Medicare Plans

  • Aetna Medicare (PPO)
  • Anthem MediBlue (PPO)
  • AARP Medicare Supplement (United Healthcare)
  • Humana Medicare (PPO)
  • Medicare Part B

Third Party Administrators

  • AIDS Drug Assistance Program (ADAP) - ADAP assists eligible individuals in obtaining limited FDA-approved therapeutic drugs if there is a waiting period before HIAP insurance coverage begins. EIP covers the costs associated with medical services such as doctor visits, laboratory services, specified vaccinations, and influenza shots. EIP provides funding for health care services during a waiting period before HIAP insurance coverage begins.
  • Early Intervention Plan (EIP) - This program covers the costs associated with medical services such as doctor visits, laboratory services, specified vaccinations, and influenza shots. EIP provides funding for health care services during a waiting period before HIAP insurance coverage begins.
  • Health Insurance Assistance Plan (HIAP) - This program pays the premium, deductible, co-pay and co-insurance costs to eligible individuals routed through participating Indiana Qualified Health Plans.
  • PrEP Medication Assistance Program (PrEP MAP) - This program covers office visits, labs, STI treatment, and limited prescription coverage for PrEP-related care.
  • Medicare Part D Assistance Plan (MDAP) - This program provides assistance toward the co-pay, co-insurance and deductible cost of a Medicare Part D prescription drug plan for qualifying individuals.

**Please note if you have an Health Maintenance Organization (HMO) plan, we may not be In-Network. Please call your insurance plan to see if your provider is In-Network.

What insurance plans are not Out-of-Network?

We are Out-of-Network with the following plans:

  • Anthem HealthSync
  • Anthem High Performance Network (HPN)
  • Cigna (EPO)
  • IU Health Plans
  • Health Maintenance Organizations (HMO)
  • Medi-Cal
  • Non-Indiana Medicaid plans

Please call the phone number on the back of the card to see if your provider is In-Network.

What do all these insurance terms mean?

Co-Insurance. A fixed percentage you are required to pay to receive service. For example, your insurance plan may require you to pay 20% of what your provider charges and your insurance will pay the other 80%.

Co-Pay. A fixed amount you are required to pay to receive service. For example, your insurance plan may require you to pay $25 each time you see a provider and your insurance plan will pay the remaining amount.

Deductible. The amount you are required to pay before your insurance starts paying. Once you reach that amount, then your health insurance may start requiring a co-pay or co-insurance. Please note, many high-deductible plans range from $1,500 to $4,500 per year.

Health Maintenance Organization (HMO). A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.

In-Network Provider. A provider that has contracted with your insurance company to provide its members with discounted healthcare. Your insurance plan determines what you amount you will pay to your provider.

Non-Covered Benefits. Your insurance company will only pay for services that it considers medically necessary. This information is available in your plan handbook. If you receive services that your plan does not cover, you may still be required to pay out of pocket. Please call your insurance company if you are unsure if any services will be covered.

Out-of-Network Provider. A provider that has not contracted with your insurance company to provide its members with discounted healthcare. The amount you pay will always be higher if you see an Out-of-Network Provider.

Out-of-Pocket Maximum. The most you will have to pay annually for services. Once you reach this amount, your health insurance pays 100% of your In-Network costs.

Premium. The amount you pay for your health insurance. If you have health insurance through your employer, this is the amount deducted from your paycheck each month.

Prior Authorization. Your insurance may require you or your provider to get approval before rendering services before you are seen. If you don’t obtain permission, your insurance may not pay for your services and you may still be required to pay out of pocket.


For additional terms and definitions, please visit https://www.healthcare.gov/glossary/

What are the fees charged for my visit?

Please see this list for our current chargemaster. Please understand that this is the rate that we charge your insurance carrier. To calculate what your actual cost will be, please contact your insurance company and provide them with the specific CPT code(s) listed on our fee schedule.

View Posted Fees

What if I am not able to pay my bill or the cost is limiting me from engaging in care?

We offer financial assistance in the form of a Sliding Fee Scale based on the Federal Poverty Level (FPL). The Sliding Fee Scale may discount your services up to 100%, depending on your qualifying criteria. Please visit our Financial Assistance page for more information and learn how to apply.

What is a good faith estimate?

Under the No Surprises Act, health care providers need to give patients who don’t have
insurance or who are not using insurance an estimate of the bill for medical services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-
emergency medical services. This includes related costs like prescription drugs, equipment, and
outpatient fees performed at our health center.

Laboratory testing at Damien Center is conducted by LabCorp. Damien Center is not able to
provide an estimate for these services, but you can visit LabCorp Patient Billing to estimate your
costs.

Make sure your provider gives you a Good Faith Estimate in writing at least 1 business day
before your medical service. You can also ask your health care provider, and any other provider
you choose, for a Good Faith Estimate before you schedule a service or procedure..
You have a right to initiate the patient-provider dispute resolution process if the actual billed
charges from Damien Center are $400 more than the expected charges included in the Good
Faith Estimate you receive before your visit.

You may contact the Damien Center directly to let us know your billed charges were higher that
the Good Faith Estimate. Damien Center will review the actual charges and the Good Faith
Estimate to determine if an adjustment to the charges billed should be made. You can also ask if
there is financial assistance available. Please email us at [email protected].

You may also start a dispute process with the U.S. Department of Health and Human Services
(HHS). If you choose to use this dispute resolution process you must start the dispute process
within 120 calendar days of the date on the original bill. There is a $25.00 fee to use the HHS
dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the
price on this Good Faith Estimate. If the agency disagrees with you and agrees with the health
care provider or facility, you will have to pay the higher amount.

For questions or more information about your right to a Good Faith Estimate, visit

https://www.cms.gov/medical-bi...

https://www.cms.gov/nosurprise...

or call 1.800.985.3059.

Make sure to save a copy or picture of your Good Faith Estimate.

Why did I receive a bill for a preventative visit?

We do not want you to be surprised by a bill, but we must always report to your health
insurance plan the actual services that you received.

If you were seen for a preventative visit visit (i.e. PrEP, physical, annual wellness exam, check-
up, etc.) and a new or ongoing problem is identified and/or discussed with your provider during
the same visit, both services are (preventative visit and office visit) may both be submitted to
your health insurance plan.

Therefore, based on your health insurance plan, they may process your claim for the office visit
with a copayment or apply it to your deductible and you may receive a bill from the health
center.

Financial Assistance

Damien is committed to providing the highest quality medical, behavioral health, and pharmacy care to all patients, regardless of their ability to pay. We are pleased to offer our patients two forms of financial assistance – a Sliding Fee Scale and a Premium Assistance Program.

To apply for new Financial Assistance, please click here. New applicants can apply directly online and existing applicants can access additional forms.

The Sliding Fee Scale (SFS) is based on income and family size. You may be eligible for this discount even if you have health insurance. If you or your family members have insurance, we must bill your insurance first. If you qualify for the SFS, your discount may be applied to what you owe, and any remaining balance may be due at time of service.

The Premium Assistance Program enables eligible patients to have their insurance premiums paid in full by Damien with no obligation to use a Damien network provider or pharmacy. Because patients are still responsible for all deductibles, co-insurance, and co-pays - they will be considered for both the Sliding Fee Scale and Premium Assistance Program.

Non-Ryan White SFS - For people not living with HIV, your services will be discounted according to the table below.

SFS - Non-Ryan White
SFS - Non-Ryan White

Ryan White SFS - For people living with HIV and with active Ryan White coverage, your services will be discounted according to the table below. Additionally, your services are discounted to $0 once you have reached your annual cap on charges

SFS - Ryan White
SFS - Ryan White

Sliding Fee Scale FAQ

Have questions? We're here to help!

What is a sliding fee scale?

A sliding fee scale is a discount on your healthcare offered if your income and family size meet a certain threshold.

Why are there two sliding fee scales and what are the differences?

The Health Center Sliding Fee Scale offers discounts to any patient with an FPL of under 200%.

The Ryan White Sliding Fee Scale offers discounts to patients that have active Ryan White enrollment and an FPL under 500%.

For people with active Ryan White enrollment, the Ryan White Program provides additional benefits to ensure that you are not overwhelmed by healthcare costs. We will continue to bill your insurance, but your deductible, co-insurance, and co-pay will be discounted to the nominal fee according to your placement on Ryan White Sliding Fee Scale.

If I already have insurance, should I still apply?

Yes, because if you qualify, you may pay less than your insurance cost-sharing for your services. We will continue to bill your insurance, but your deductible, co-insurance, and co-pay will be discounted down to your approved rate.

How much will I have to pay?

The amount you pay will depend on the service you receive and your Federal Poverty Level. Please see the Sliding Fee Scale table to determine your amount due.

What documentation is required to apply?
  • Completed Application (see link above)
  • Valid Photo ID
  • Proof of Address
  • Proof of Household Income
What criteria are used to determine eligibility?

We base eligibility on the Federal Poverty Level (FPL). This percentage is calculated based on two (2) factors:

  • Gross Income – this is the amount of money you make each year before taxes. This includes salary, unemployment benefits, disability or social security benefits, investment income, or other sources of income that support your household.
  • Family Size – this includes legal children, a civil union partner or married spouse, and legal dependents that are living together.
What documents are needed for proof of income?

We will accept the following supporting documentation for proof of income:

  • Most recent Federal Tax Return
  • 4506T - requests for transcript of tax return, verification of non-filing
  • 30 days of pay stubs
  • Other income which includes the following: social security, public assistance, retirement pensions, food stamps, child support, alimony, interest income, and other verifiable forms of income
How often do I need to re-apply?
  • For the Sliding Fee Scale Discount Program, you must re-apply every year or anytime your financial status changes.
  • For the Ryan White Sliding Fee Scale, you must apply every 6 months.
  • For the Hardship Assistance Program, you must re-apply every time you receive a bill and cannot pay it.
How will I know if I have been approved?

Patients will receive a decision letter via e-mail with more information, explanation of discount, and instructions for appealing if they did not receive an initial approval while meeting with a Patient Financial Counselor.

Who can I contact if I have additional questions?

Please email us at [email protected] with any questions or visit the front office at any Damien Center service location.

Questions? Contact our team!