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Tips to make billing understandableThe billing process for any hospital or clinic can be complex and result in frustration on behalf of the patient. Here are the “top five” issues that the New Ulm Medical Center Business Department feels are central to a patient getting a grasp on the billing process and therefore alleviating the frustration. 1. Understand your insurance coverage. Patients often do not understand what procedures and services are covered or what their co-pays and deductibles are. By understanding exactly what coverage you have before receiving services, you can help avoid any unexpected out of pocket expenses. 2. Understand that a statement will not arrive until after the insurance company has processed the claim. Some insurance companies can take up to 120 days to issue payment on a claim and because of that, a patient may not receive the first statement until well after their visit. 3. With the exception of Medicare, Medicaid and some Medicare Advantage insurance plans, most patients will receive separate bills for physician charges and hospital charges. For example, if a patient comes to the clinic and receives a lab test as part of their visit with the physician, they will receive a statement for the lab charge separately from the statement for the physician charge, because lab services are a component of hospital services. 4. If your insurance pays 100% of the balance, you will not receive any statement for the visit. The statement your insurance company sends to you titled "Explanation of Benefits" will be your verification that your account was paid in full. 5. Always call immediately if you have a billing issue or if you do not understand the bill. The New Ulm Medical Center wants to work with you in making sure the billing piece of the patient care experience is the easiest part. The sooner we are involved, the quicker we are able to help resolve any questions you may have. . |
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New Ulm Medical Center
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