Billing, Insurance and Payment
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St. Mary Medical Center is committed to providing high quality, compassionate
health care to all patients, regardless of their ability to pay. Medically
necessary care should not be delayed because you don’t have health
insurance or you’re unable to pay your hospital bill. St. Mary Medical
Center understands health insurance benefits are confusing. Most plans
do not provide 100% coverage for a hospital bill. Each plan has its own
set of rules, exclusions and services that are not covered.
It is important for you to get involved in your health care and become
familiar with your specific benefit plan so you get the most out of healthcare.
If you are unsure of your coverage for a particular medical procedure
or test, you should call the customer service telephone number on your
insurance card before scheduling a procedure.
Your insurance policy is a contract between you and your insurance company.
As a service to you, St. Mary Medical Center will send a claim to your
insurance company for all services we provide to you. By working together,
we can minimize misunderstandings, payment delays and billing costs. Please
be aware, you are responsible for any charges not covered by your benefit
plan and St. Mary Medical Center provides counseling services to answer
your questions prior to receiving service.
Depending on your plan, you may be required to get approval (pre-certification)
before you receive hospital services. Even in a life-threatening situation,
your benefit plan may require you to contact them within 24 hours of receiving
hospital care. We will assist you in doing that, but if you don’t
obtain approval from your insurance company, you may be responsible for
paying for your hospital care. Also, obtaining approval does not guarantee
that the cost of the service is completely covered by your benefit plan.
If St. Mary Medical Center does not participate in your insurance plan,
you can in most cases still receives services at our facility. Please
be aware, if your insurance does not participate with St. Mary Medical
Center, your insurance company will consider our services as “out
of network” and you will probably be responsible for paying more
out of your pocket.
After you are discharged from St. Mary Medical Center, you will receive
an itemized statement reflecting daily charges, including supplies and
support services, such as x-rays and anesthesia. You will also receive
separate statements/bills from the physicians involved in your care and
treatment. This includes your physician, surgeons, pathologist who interprets
laboratory test results, anesthesiologists who administer the anesthesia
and radiologists who read and interpret your radiology exams and forward
the results to your physician or the emergency room physician. Please
see the list of “sub providers” and their contact information
provided on our website.
Once your insurance company has paid on your account, you will receive
a bill, showing your patient responsibility based on your health insurance
plan. If you are not able to pay your bill in full, please contact our
Customer Service Department where we can help you by setting up a payment
plan or determine if you may qualify for
For any other requests, please contact our Patient Accounts department
at 1-800-378-4189 for more details.