Understanding Your Healthcare Costs

We are committed to helping you understand and prepare for any medical services you or a loved one may receive at our hospital, including the ability to estimate your out-of-pocket costs for the care you receive.

Notice of no 

Insurance Information

Medicare

If you have Medicare, you may have to fill out an MSP (Medicare Secondary Payer) form. This ensures that Medicare only pays for services not covered by other insurance you may have. If you have secondary insurance, this usually covers Medicare deductibles. If you don’t have secondary insurance, you need to pay these amounts yourself.

Also be sure to read your quarterly MSNs (Medicare Summary Notices) to review:

• the amount your doctor(s) charged
• the amount Medicare approved and paid
• the amount you owe
• your current deductible status

Commercial Insurance Providers

If you use a commercial insurance provider, the hospital forwards your claim to your insurance provider based on the information you provide
at registration. About a month after you leave the hospital, you’ll get an explanation of benefits (EOB) statement from your insurance provider. This isn’t a bill.

EOBs show:

• the amount billed by your doctor or hospital
• how much of that cost is covered by your insurance
• how much you owe

Insurances commonly covered include but are not limited to:

• Blue Cross
• Aetna
• Cigna
• United Healthcare
• Medicare
• Medicaid
• Wellcare
• Humana

Self-Pay Patients and Payment Arrangements

If you’re planning to pay your bills without help from Medicare or a commercial insurance provider, then you’ll get bills directly from the hospital. When the first bill arrives, call the hospital’s financial services department to set up a payment plan.

Communicate with the financial services department as soon as possible. If you don’t set up a payment plan, or if you stop making payments, then your account may be placed with a collection agency. The hospital wants to work with you, so reach out with any questions or concerns you have.