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Upon admission, Regions Hospital will assist you with your health insurance coverage but it is your responsibility to know your health care benefits. You may also be visited by a financial counselor when you are admitted.
If you are covered by health insurance
Please provide a copy of your health insurance card. We may also ask for special insurance forms that are supplied by your employer or insurance company. You will be asked to assign benefits from the insurance company directly to the hospital.
If you are a member of a health maintenance organization (HMO) or preferred provider organization (PPO), we need a copy of your HMO or PPO card. Your plan may state that you need the insurance company to approve treatment before you receive care or that you need your primary doctor to give you permission to see a specialist. You are responsible for following your insurance plan. If your plan’s requirements are not followed, you will need to pay for the services provided in the hospital. Some doctors may not be included in your plan so their services may not be covered.
If you are covered by Medicare
We need a copy of your Medicare card to process your Medicare claim. You should know that the Medicare program will not pay for certain items and services it considers preventive or not medically necessary such as cosmetic surgery, some oral surgical procedures, personal comfort items, hearing evaluations and others. You are responsible for deductibles and co-payments.
If you are covered by Medical Assistance
We need a copy of your Medical Assistance card. If you have a card supplied by a prepaid Medical Assistance program such as an HMO carrier, we need to see that card as well. Medical Assistance limits the number of services and items. Medical Assistance, like most insurance companies, does not pay for the cost of a private room unless it is medically necessary.
If you have no health insurance
A financial counselor will discuss finances with you. In some cases, it may be possible for you to apply for Medical Assistance before discharge. Sometimes, a referral for assistance may be sent to the county you live in to speed the process. The financial counselor will talk with you about several options that may offer some help with your bill.
Learn more about financial assistance programs.
Your hospital bill & doctor charges
The hospital will send a bill to your health care insurer. Remember, your policy is a contract between you and your health care insurance company and you have the final responsibility for payment of your hospital bill. You will receive one summary statement that includes the fees for hospital services and fees from the doctors or other professionals who took care of you. However, these fees will be billed separately to your insurance provider.
The fees for hospital services fall into two categories:
- A basic daily rate which includes your room, meals, nursing care, housekeeping, telephone and television
- Charges for special services such as doctors’ orders for medications, X-rays or laboratory tests
The fees for your doctor will be billed by the doctor’s employer. If you have certain tests or treatments in the hospital, you may also receive bills from doctors you did not see in person. These bills are for professional services by doctors who diagnose and interpret test results. Pathologists, radiologists, cardiologists, anesthesiologists and other specialists perform these services and are required to submit separate bills. If you have questions about bills, please call the number printed on the statement you receive.
The fees for observation status and inpatient status are different. You doctor should inform you of your status because there are different coverage amounts for your insurance.
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