Billing and Insurance Questions

Your Hospital Bill Questions, Answered

Questions about billing and insurance coverage are common, and we’re happy to help answer them. Below you’ll find some frequently asked questions and answers about insurance and paying hospital bills.

In addition to paying your bill in person or by mail, you can also pay your bill online, quickly and conveniently.

Financial Counselors

Financial Counselors are located in the Admission Services Department. They are available to assist you in making financial arrangements, and to discuss any questions you may have regarding your account.

Financial Responsibility

It is expected that deductibles, co-payments and other amounts not covered by insurance will be paid before you’re discharged from the hospital. Accepted forms of payment include cash, personal check and credit card. Payment may be made with the cashier in the Admission Services Department. If you have questions at any time, let us know.

Questions About Your Bill

After you’re discharged, a statement will be mailed to you for any balance due after your insurance company has processed your claim. Payment is due upon receipt and may be made by cash, personal check or credit card.

If you have questions or need help using the online system, please call (901) 820-7000.

What Can I Expect If I Have Insurance Coverage?

We will need a copy of your identification card. You’ll be asked to assign benefits from the insurance company directly to the hospital by signing the Conditions of Services form. If you are having an outpatient procedure or being admitted as an outpatient or inpatient for non-emergent services, you’ll be required to satisfy deductible or co-payment requirements prior to receiving services.

What If I’m a Member of an HMO or PPO?

Your plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. It’s your responsibility to make sure the requirements of your plan have been met. If your plan’s requirements are not followed, you may be financially responsible for all or part of the services rendered in the hospital. If you’re having an outpatient procedure or being admitted as an outpatient or inpatient for non-emergent services, you’ll be required to satisfy deductible or co-payment requirements prior to receiving services. Some specialists may not participate in your health care plan, and their services may not be covered.

What If I’m Covered by Medicare/Medicaid?

For Medicare, we’ll need a copy of your Medicare card to verify eligibility and process your Medicare claim. You should be aware that the Medicare program specifically excludes payment for certain items and services, such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations and others. Deductibles and co-payments also are the responsibility of the patient.

For Medicaid, we’ll need a copy of your Medicaid card. Medicaid also has payment limitations on a number of services and items.

What If I Don’t Have Insurance?

A representative from the Admissions Department will discuss financial arrangements with you. A hospital representative who is a representative of the Division of Family Services is also available to assist you in applying for Medicaid or other government assistance programs if you meet the screening criteria. You can find additional information about financial assistance programs here.