hospital bills and insurance
Insurance coverage can be confusing. It is important for you to know the terms of your coverage to help you understand what part of your hospital bill your insurance company is responsible for paying and what portion, if any, you are responsible for paying. If you have any questions about your insurance coverage or the amount you are responsible for paying, please contact the Central Business Office at 864-282-4943.
your hospital bill
St. Francis is responsible for submitting bills to your insurance company, and we will handle our claim diligently and professionally. Your bill will reflect all charges for services you received during your stay. You will receive a separate bill from your physicians for their services provided during your stay. If you have certain tests, consultations or treatments while in or at the hospital, you may receive bills from physicians you did not see in person. These bills are for professional services by these physicians in diagnosing and interpreting test results while you were a patient. Pathologists, radiologists, cardiologists, anesthesiologists and other specialists perform these services and are required to submit separate bills. If you have questions about these bills, please call the number printed on the statement you receive from them.
Direct billing and payment between the hospital and insurance company simplifies financial arrangements for you, but please remember that you remain responsible for your bill. For your convenience, we accept MasterCard, VISA, American Express and Discover. If you do not have hospitalization insurance, or if your insurance coverage is insufficient, a pre-admission cash deposit is required.
On the date of your procedure/test, please present your insurance card(s) to the registration representative so we can ensure that we have the correct information on file. You will be asked to sign a form stating that you agree to assign benefits from the insurance company directly to the hospital.
- IF YOU ARE A MEMBER OF AN HMO or PPO...
Your plan may have special requirements, such as a referral from your primary care physician, second surgical opinion or pre-certification for certain tests or procedures. While the hospital will make every effort to verify this information before your test/procedure, and inform you of any requirements, it is your responsibility to make sure the requirements of your plan have been met. If your plans requirements are not followed, you may be financially responsible for all or part of the services you receive in the hospital. Its also important to note that some physician specialists may not participate in your health care plan and their services may not be covered.
- IF YOU ARE COVERED BY MEDICARE or MEDICAID...
On the date of your procedure/test, please present your Medicare Card and/or monthly Medicaid Authorization Letter to the registration representative so we can make sure we have the correct information on file. You should be aware that the Medicare program excludes payment for certain items and services. Deductibles and co-payments are the patients responsibility. Medicaid also has payment limitations on several services and items.
- The Mission of Bon Secours St. Francis Health System is to provide compassionate, quality healthcare services to those in need, regardless of their ability to pay. If you do not have health insurance, we can help. You may qualify for financial assistance through a government-sponsored program or through the Bon Secours Financial Assistance Program.
Several financial assistance programs are available through St. Francis. Ask any registration representative about the St. Francis Financial Assistance program, MedAssist Services, or call the Central Business Office for more information. Our staff is available to help you with the application process.
The Bon Secours Financial Assistance Program aids uninsured patients who do not qualify for government-sponsored health insurance and cannot afford to pay for their medical care. Insured patients may also qualify for the Bon Secours Financial Assistance Program depending upon family income, family size and medical needs.
In addition to the Bon Secours Financial Assistance Program, Bon Secours offers a Community Service Adjustment to our uninsured patients and their families. The Community Service Adjustment is an offset to the cost of healthcare and will result in a reduction to the gross charge amounts. The adjustment reflects an ongoing commitment by Bon Secours to the communities we serve.
For more information, download a Financial Assistance Program and Practices Brochure