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A Guide to Understanding Your Bill

1. What is the best way for me to pay my hospital bills?

Unpaid balances, including all applicable co-payments, co-insurance, deductibles and any non-covered services are the responsibility of the patient and must be paid upon receipt of the statement.  For your convenience we accept a variety of payment methods.

  • Online payments with E-pay
  • Cash, Check or Money Order
  • Visa
  • Discover
  • Mastercard
  • American Express
  • Care Credit
  • Payroll deduction is offered for employees of BRMC

 

Short term payment plans are available for balances.  Any payment plan other than payment-in-full must be agreed to by the Business Office before considered accepted.

Black River Medical Center does offer discounts if you are without insurance.  Financial Assistance is available for those who are unable to pay for all or part of  their hospital bill.  An application must be completed to determine eligibility.  Please contact our Business Office at (573) 727-9080.

2. What is a deductible? What is a Co-paymnet?

  • A deductible is the initial amount of  “covered” health costs that you pay before your insurance plan begins reimbursement. A deductible is usually a set dollar amount
  • A co-insurance is the portion of your health care expenses not covered by insurance.  A co-insurance is usually a percentage figure, like 10% or 20%
  • A copay is usually a set amount you owe per visit or per service.  Copays are usually associated with ER visits, Physical Therapy or other outpatient services.
  • Payment of deductibles, copays and coinsurance is due at the time of service.
  • The hospital will file the claim for you.  After insurance carrier has made payment, you will receive a bill asking for payment on the balance.
  • In certain circumstances, you will be able to make monthly payments to  the hospital until the bill is paid in bull.  Payment arrangements must be set up with a Patient Accounts Representative.  Please call (573) 727-9080

3.  Who is responsible for paying my bill?

The hospital will bill your insurance company directly (unless you specify otherwise), you are ultimately responsible for making certain that your bill is paid.

Monthly statements are sent to keep you informed about the status of open accounts.  If a balance remains after your insurance has issued a payment or a denial, payment is due immediately upon receipt of your statement.

4.  What other bills will I receive?

In addition to your bill from the hospital, you may receive bills from other physicians who may have provided services to you. For instance, you may receive bills from consulting physicians, radiologists, or other specialists.  Please contact their office directly if you have questions concerning their bills.

5.  What if I have a question about my bill?

If you have a billing or balance question about your Black River Medical Center’s visit, please contact the Business Office department by phone at (573) 727- 9080.  Office hours are 8:30am-5pm, Monday through Friday.  At a patients request, a detailed bill may be provided.

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