Billing FAQs
UP Health System is committed to improving the health of our community. 为了继续执行这项任务,必须收到所提供服务的付款.
As a courtesy to our patients and their families, 我们会按照所列的准则将您的账单提交给保险公司. To do this efficiently, 在注册时提供准确完整的保险信息是很重要的.
以下是有关帐单及付款的常见问题解答:
Q: What is a deductible?
答:免赔额是指在保险计划开始支付医疗服务费用之前,患者每年必须支付的金额(不包括保费).
Q: What is a co-pay?
A: A co-pay, or co-payment, 是病人每次去看医生必须支付的固定金额吗. The co-pay amount is set by the patient's insurance plan.
Q: What is co-insurance?
答:共同保险是被保险人和保险人之间根据健康保险政策达成的共同分担协议,规定被保险人在支付免赔额后承担一定比例的保险费用. 与自付保险计划类似,但自付保险要求被保险人在提供服务时支付固定金额.
问:如何了解在北方邦卫生系统进行手术的估计费用?
A:美高梅官方网站提供的手术的费用估算,请拨打906给我们的病人辩护律师.449.1422
Q: Does UP Health System participate in my health plan?
答:如果 UP Health System participates with your health plan, 这家医院与你们的保险公司有协议,为它的会员提供服务. Please take a look at our list of participating insurance providers. 请与您的保险公司核实是否包括在医院的服务, physician practice and care providers you plan to visit.
问:在接受服务之前,我什么时候负责获得我的健康计划的批准?
A: Depending on your insurance plan, 在接受服务之前,您可能需要联系您的初级保健医生或健康计划以获得批准. If your situation is truly an emergency (life-threatening), 您或您的家庭成员必须在接受治疗后24小时内联系您的医生或健康计划. 如果您没有获得健康计划的批准,所有医院费用可能由您负责. 而保险公司则承担真正的紧急情况(危及生命的情况)和许多门诊服务的急诊室费用, coverage differs. 您的保险公司可能会要求您支付非紧急(不危及生命)的紧急和紧急护理服务。.
Q: What if the hospital doesn’t participate in my plan?
答:如果 UP Health System 不参与您的健康计划,您仍可在 UP Health System. 但是,您应该知道这些服务被认为是网络外的,可能不包括在内. 您有责任全额支付账单或支付您的健康计划未支付的任何余额. As a courtesy, we initially bill non-participating health plans. 但是,如果该计划没有及时对索赔作出回应,您将负责付款.
Q: What insurance providers does UP Health System participate with?
A: Click 在这里 to see the full list of participating insurance providers.
Q: Will you bill my insurance company?
A: UP Health System 是否会在收到保险计划确定的承保金额后,直接向你的保险公司开账单,并寄给你一份对账单. Depending upon the services provided, if your insurance plan requires payment of a co-pay and/or deductible, you may be requested to pay this amount at the time of service. Immediate payment enables UP Health System to contain billing costs. If your insurance company has not responded to the claim within 45 days, 你负责协助从保险公司获得赔款.
Q: Why aren’t my doctor’s charges included on my hospital bill?
A: Most physicians, radiologists, pathologists, anesthesiologists and emergency room physicians are not employed by UP Health System. 你(或你的保险公司)可能会收到医生服务的单独账单. This separate physician billing practice is customary.
Q: Is t在这里 any way I can save money on my healthcare expenses? What if I am having trouble paying my bill?
A: UP Health System offers several ways for you to save on your medical expenses, including a prompt pay discount and a self-pay discount. 如果您不能一次付清账单,我们可以帮您制定一个合理的付款计划 Financial Assistance Program 协助没有保险的个人获得必要的医疗保健服务.
Q: What are Medicare and CHAMPVA patient rights?
A: UP Health System 美国政府是否要求向医疗保险和CHAMPVA患者提供有关其患者权利的具体信息. 如果您在当前住院期间没有收到此信息, please ask to speak to your unit’s Care Manager or call (269) 226-8311.
Q: How do I make a payment?
A: Patients may pay by check, money order, cash or credit card. 如果您不能在服务时或在收到您的第一张账单时全额支付账单, 耐心的财务顾问可以帮助您解决账单问题,并提供有关其他可能的付款方式的信息,从早上7:30开始.m. 到5点.m., Monday – Friday. For more information, please call 906.449.1422
问:我的福利解释(EOB)说我不负责通常和惯例或合理和惯例的费用. What does this mean?
答:虽然你的保险公司可能会声明你不承担这些费用, UP Health System 不承认合理的和习惯的或通常的和习惯的费用作为折扣. Many charges may vary from one payor to another. Some charges are higher and some are lower. None of these factors justify charge reduction. T在这里fore, you are responsible for these charges.
问:为什么我现在收到很久以前就收到的服务账单?
A: We regret the delay and any inconvenience the delay has caused. UP Health System 必须首先与各种保险公司合作,处理索赔并收到他们的付款,然后再向患者支付剩余的余额.
Q: Why am I receiving a bill for the total amount of my visit? Haven’t you billed my insurance company?
A: UP Health System submits bills to insurance companies according to the listed guidelines. 在收到保险计划确定的承保金额后,我们将向患者发送对账单. 取决于所提供的服务或保险计划是否要求支付共同支付和/或免赔额, patients may be requested to pay this amount at the time of service. Immediate payment enables us to contain billing costs. If your insurance company has not responded to the claim within 45 days, 你负责协助从保险公司获得赔款.
问:我怎样才能要求我的帐户与美高梅官方网站的总项目?
A: You can request an itemization of your account by calling 906.449.1422. When talking with a representative, you will need to verify your name, account number, address and daytime telephone number. 您的明细对账单将在48小时内打印并邮寄给您.
Q: Why am I receiving statements for an account I paid?
A: Your statement may have been sent just prior to your payment, or we may have not processed your payment before your statement was sent. If you have recently paid for the account listed on the billing statement, please disregard the statement.