HPV is spread through skin-to-skin and mucus membrane contact during sexual activity. Because the virus can spread through skin-to-skin contact, sexual Intercourse is not necessary for the virus to pass from one person to another. According to the CDC, most women diagnosed with cervical cancer in the United States have never had a Pap screening or have not had one in the last five years.
Billing—Continued from page 25 is responsible to pay. Most often, look at what your child’s doctor’s after a subscriber has met her de- office billed for that last visit. Visits When they receive a bill from their ductible and paid any copayment to specialists are even more reveal- doctor’s office or an explanation of or coinsurance, the doctor’s office ing. Though you may not have paid benefits. will write off the difference between a dime, your insurance company Explanation of Benefits what it bills for a procedure and may have been overcharged for a An explanation of benefits (EOB) is what the insurance will pay for it, visit. Occasionally your child’s doc- what an insurance company sends so most insured patients will never tor’s office may bill for a longer visit the subscriber after the office visit know that their doctor’s office billed than actually occurred since the that explains how the claim was more than what their insurance will insurance company won’t question processed. By cross checking the pay since they will not receive a bill it if the visit length was likely. If CPT and diagnosis codes on the en- from the doctor’s office. you look at your EOB and wonder counter form that you saved from why a 15-minute office visit was But, if you’ve ever received a bill the office visit with what is listed billed as a 60-minute office visit, from your child’s doctor’s office on the EOB, you can determine call your doctor’s office and ask. for more than just a copayment what procedures were covered Or, if you see a procedure on the amount (e.g. the entire office and how much money, if any, you EOB that you know your child didn’t visit or a several-hundred dollar owe. If there’s ever a question or have performed during that visit, it in-office procedure), then you’ve discrepancy about how much a could be a simple coding error. But probably called up the office to procedure cost, or why a diagno- you should find out. find out why you were billed. This sis wasn’t covered, you need your is why you should always save the Being an educated consumer does EOB to use as a reference. As all encounter forms and EOBs. If you not only mean understanding the EOBs state, they are not bills, just have a scanner and computer, mak- latest research behind your child’s explanations of claims. ing electronic copies and backing health, but also better understand- Each EOB lists the patient, the visit them up on a separate disk or drive ing how you can be a more proac- date, the procedures billed, how is a space-saving way to keep good tive consumer of health insurance. much the provider charged for insurance records. Your child’s doctor’s office is re- each procedure (amount billed), sponsible for accurately billing your how much the insurance will pay Even if you’ve never received a insurance company, but it’s your for each procedure (amount al- medical bill but wonder why health- responsibility to make sure you lowed), and how much the patient care costs so much, take a closer understand what they’ve billed. Cervical Cancer: Is Your Child at Risk? By Valerie Marchini, RN The American Cancer Society It is hard for parents to think of to other less common genital can- estimates in 2008 about 11,070 their children as sexually active, so cers, such as cancer of the anus, women would be diagnosed with they may not think their child is at vagina and vulva. Some strains of invasive cervical cancer in the Unit- risk for developing HPV infections. HPV can cause warts in the genital ed States, claiming about 3,870 HPV is spread through skin-to-skin areas of men and women. Other American lives in 2008. and mucus membrane contact dur- strains cause warts on the hands ing sexual activity. Becaus
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