Health maintenance organizations (HMOs)

Mayo Clinic does not participate with all health maintenance organizations (HMOs). In addition, an HMO will not typically pay for Mayo Clinic services without prior authorization from your insurance company. Your physician's referral alone does not necessarily constitute an authorization from your HMO.

Mayo Clinic requests a deposit for all unauthorized services. Deposits are based on an estimate of the cost of services you or your physician request and are not necessarily payment in full. Your actual charges may be greater or less than the deposit (for example, colonoscopy charges vary depending upon the number of polyps discovered during the procedure). If further testing or physician consultations are necessary, additional deposits may be required. If actual charges are less, the balance of the deposit will be refunded.

If insurance authorization for your services at Mayo can be verified with your HMO prior to services being rendered, you will not be required to make a deposit for the authorized services. However, if additional services are necessary, further authorization or deposits will be required. Further authorizations may take a week or longer, depending on the necessity of review by the HMO's medical director or review committee. Mayo will assist by filing insurance claims as services are incurred.

In the event additional charges are posted beyond the date of your visit, an itemized statement will be sent to you. Payment for these additional services should be made upon receipt of your monthly statement of account.

If you have questions, please contact Patient Account Services during business hours:

  • 844-217-9591 (toll free) or 507-266-0909 for international callers
  • 8 a.m. to 5 p.m. Central time, Monday through Friday