Frequent Questions

When you experience any changes regarding your health insurance you should advise the hospital registrar at the time of service.

If you receive your health care services from a hospital, physician or other health provider that participates in your health plan, they are considered "in-network." Hospitals, physicians or other health care providers who do not participate in your health plan may be referred to as "out-of-network." You may have a higher co-insurance and/or co-pay for out-of-network services. In some cases, out-of-network services are denied totally.

Payments received after the Statement Date will appear on your next statement. Why do I have more than one account number? A separate accounting number is generated for each outpatient date of service and each inpatient admission. This enables us to bill for specific charges and diagnosis relating to your care for that date of service and enables your insurance company to apply the proper benefits. Exception: For recurring outpatient services such as physical therapy or radiation therapy, one accounting number is generated each month.

We will process and send a bill to a patient after payment is received from the insurance carrier and it is confirmed that the balance is owed by the patient. The length of this process depends on how long it takes to receive a response from your insurance carrier, and whether there is secondary insurance.

Please verify that your insurance carrier has received and processed the claim. If the claim has not been processed, then carefully review your insurance policy or contact your insurance carrier to determine if the services and procedures are covered. Your insurance carrier will have the most accurate and up-to-date information about your policy and your claim. If your insurance company has questions, please direct them to contact our office that the most up-to-date insurance information is on file.

You will receive a patient responsibility statement after your insurance processes our bill. The amount you are billed for is based on what your insurance communicates to us on an Explanation Of Benefits (EOB). The EOB details how your insurance processed our bill and calculated your responsibility based on your individual insurance plan. If you believe your responsibility is not correct, please contact your insurer directly.

Your share of the costs of a covered health care service, calculated as a percentage (for example, 20%) of the allowed amount for the service. You pay coinsurance after you’ve met your deductible. For example, if the health insurance plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your 20% coinsurance payment would be $20. The health insurance plan pays the rest.

The amount you owe for covered health care services before your health insurance plan begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you’ve paid $1,000 for covered services. Some plans pay for certain health care services before you’ve met your deductible.

Most insurance plans require that you pay a co-payment, coinsurance or deductible for your health care expenses. Contact your insurance company for specific information about your coverage.

Yes, as a courtesy to our patients, we will submit the bill to your insurance carrier. If you have a secondary insurance company, a claim will be sent to the secondary insurance company after the primary insurance company paid. You are requested to supply the pertinent billing information that the insurer may require.

Every hospital visit involves both physician and hospital resources. Although the hospital and the provider may use the same language to describe each charge, their bills are for separate services. The physician’s bill will be for professional assessment, direction and oversight. The hospital’s bill will be for the technical resources, including procedures and equipment, medications and supplies.

When a physician specialist performs these services, he/she is generally required to submit their bill separate from the hospital's bill. For example, if you came to the emergency room and had an x-ray and laboratory tests, you may receive a bill from the hospital for technical resources, a bill from the emergency room physician for professional services, a bill from the radiologist for interpreting any x-rays, and a bill from the pathologist for analyzing any specimens taken.

When you are involved in an automobile accident, contact your automobile insurance carrier. The adjuster will give you a claim number specific to the accident and request that you complete and return a questionnaire that describes how and when the accident occurred. In order for us to properly bill your automobile insurance you must provide us with your automobile policy and claim number.