Insurance coverage and billing policies can sometimes be perplexing. We hope to clear up some of the confusion around your medical payment with these commonly asked health insurance questions:
Many insurers, including HMOs and PPOs, require you or a family member call them within 24 hours of being admitted to a hospital or receiving emergency care. You insurer may not pay for your hospital care if you do not call as required, so we do suggest notifying them.
When you’re admitted, a copy of your identification card is needed to verify your insurance coverage. If you do not have this at the time of your registration, please have a copy sent to our registration office during your stay.
If we have insurance information on record for you, we will first submit bills to your insurance company. You may still need to contact your insurance company to supply additional information.
Within 30 days of your insurance paying their portion, you’ll receive a statement indicating the patient balance. This balance is due within 30 days of your billing date. This also applies to any charges still unpaid by your insurance after 60 days.
Patients who do not have insurance will be responsible for the total payment of charges at the time services are rendered. This also applies to patients who don’t supply adequate insurance information in order to file a claim.
You can get health insurance through Get Covered Illinois, the state health care exchange. Get Covered Illinois has resources to help you access plans from the top insurance companies in the state to fit your needs and your budget.
What if I am having trouble paying my bill?
If you don’t have insurance or have limited coverage, our financial counselors are happy to work with you to make payment arrangements prior to your discharge. West Suburban Medical Center’s policy is to have accounts settled within 30 days after the statement is received, but we have also instituted a six-month payment plan to help minimize financial impact. With this plan, payments can be made in six equal monthly payments ($50 minimum monthly payment) at no additional cost to you.
If you will still have issues paying your bill, you may apply for our financial assistance program available to those in need.
West Suburban accepts cash, personal checks, traveler’s checks, and Visa, MasterCard, American Express and Discover credit cards. You may pay your bill in person at the hospital cashier in the main lobby or online.
Still have questions about billing and insurance? No problem! Feel free to give our patient financial services department a call at (708) 938-4580 or toll free at(888) 770-4167.