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Hospital Bills and Insurance

If You Have Health Insurance

We will need a copy of your insurance card, driver's license, and social security card. We also may need the insurance forms, which are supplied by your employer or the insurance company. All patients should familiarize themselves with the terms of their insurance policy. This will help with understanding the hospital's billing procedures and charges.

If Your Are a Member of an HMO or PPO

Your plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. It is your responsibility to make sure that the requirements of your plan have been met. If your plan's requirements are not followed, you may be financially responsible for all or part of the services rendered in the hospital. Some physician specialists may not participate in your healthcare plan; if so, their services may not be covered.

If You Are Covered by Medicare

We will need a copy of your Medicare card to verify your eligibility and process your Medicare claim. You should be aware that the Medicare Program specifically excludes payment for certain items and services such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations, take-home medications, and others. Deductibles and co-payments also are the responsibility of the patient.

If You Are Covered by Medicaid

We will need a copy or your Medicaid card. Medicaid also has payment limitations on a number of services and items. Medicaid does not pay for the cost of a private room unless medically necessary. Co-payments are the responsibility of the patient.

If You Do Not Have Insurance

A representative from the Patient Accounting Department will discuss financial arrangements with you. A hospital representative, who is also a representative of the Division of Family Services, is available to assist you in applying for Medicaid or other government assistance programs.

Your Hospital Bill

The hospital is responsible for submitting your bills to your insurance company and will do everything possible to expedite your claim. You should remember that your policy is a contract between you and your insurance company, and you have the final responsibility for payment of your hospital bill. We have several options available to assist you in paying your bill.

Your bill reflects all of the services you receive during your stay. Charges fall into two categories: a basic daily rate, which includes your room, meals, nursing care, housekeeping, telephone and television; and charges for special services, which include items your physician orders for you such as x-rays or laboratory tests.

If you have certain tests or treatments in the hospital, you may receive a bill from physicians you did not see in person. These bills are professional services rendered by these doctors in diagnosing and interpreting your test results while you were a patient. Pathologists, radiologists, cardiologists, and other specialists perform services and are required to submit separate bills. If you have questions about these bills, please call the number printed on the statement you receive from the provider.

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