Insurance Payment Process

The Ochsner payment process varies depending on our patients.

  • Private insurance companies
  • Managed care plans
  • Government payers, such as Medicare and Medicaid

Insurances Accepted at Ochsner Health System

Follow the links below for a listing of insurances accepted at our locations:

For a listing of all insurances accepted by location, click here.

Patients with Insurance

Ochsner will file primary insurance claims in all cases for patients with insurance, meaning:

  • Ochsner sends the claim directly to your insurance company.
  • Each insurance company has its own benefits plan and requirements.
  • It is vital for you to understand exactly what your health-care insurance policies provide, including whether the company has a contract with Ochsner.
  • You can obtain an estimate for a specific service. It is your responsibility to consult with your primary insurance company to determine whether Ochsner's bill will be covered in whole or in part, or what portion of the bill will be your personal financial responsibility. You may contact our Patient Financial Service Department for information on service estimates at (504) 842-3815.

Patients with Secondary or Supplemental Insurance

  • You must provide the Registration Desk with copies of both sides of your secondary insurance cards.
  • Ochsner will send a claim form to your secondary or supplemental insurance company.

More About Secondary Insurance

Coverage by secondary payers is generally based on what is owed after the primary insurance company has paid.

Contracted Fee Schedule

If Ochsner has a contract with the primary insurance company, Ochsner agrees to accept the contracted fee schedule. Under this agreement, your out-of-pocket costs normally will be less. You will be responsible for any copayments, coinsurance and deductible amounts as determined by your insurance company. The insurance company pays its portion of the total amount to Ochsner.

Insurance Payments Sent Directly to Patients

Insurance payments sent directly to you, whether from primary or secondary insurance companies, should be used to pay outstanding charges to Ochsner. Patients are financially responsible for all outstanding charges.