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Hospital
Bills And Insurance
A hospital
stay can be stressful and the financial concerns of the stay can
add to this stress. Mercy's Access Services office is available
to help with these concerns by providing information before, during,
and after your stay.
Financial
Planning
Access Services representatives are available to help answer questions
patients and family members may have about insurance coverage, deductibles,
co-insurance, and payment arrangements. If they cannot answer your
question, they will direct you to someone who can. Deductibles,
non-covered services, and co-insurance amounts may be paid before
or at the time of the hospital stay. Access Services may be contacted
at 319-339-3616 before, during, or after your stay at Mercy.
If
You Have Insurance
Mercy Hospital works with many insurance carriers. However, some
insurance plans require you to go to a specific provider or network.
Others require you to obtain pre-authorization. To avoid surprises,
contact your insurance company to see what they require.
Mercy will
bill the primary and secondary insurance carriers and provide additional
information as needed to process your hospital claim.
Once the insurance
carrier pays its portion of the bill, or if the carrier denies payment
of the bill, the balance of the account becomes your responsibility.
If
You Have No Insurance Or Expect To Have A Large Bill
A Mercy Hospital representative can investigate options such as
government programs or financial assistance with you. This is best
done ahead of time or during your hospital stay. However, there
may be help at any time.
If you feel
your bill is too large to handle, Mercy can help you with the financial
assistance process. For qualified patients, Mercy offers a financial
assistance program for full or partial reduction of the hospital
bill. The criteria for financial assistance is based on income,
available assets, and family size. An application and income verification
are required. The approval process takes about seven days after
we receive the necessary documents.
A representative
from Mercy can explain the process, assist with the application,
and file the application and required documentation.
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After
Your Insurance Pays
You will receive a billing statement
after payment by your insurance carrier. This statement will include
total charges for services and any payments made by the insurance
company. Other correspondence may be sent or calls made to help
keep you informed of the account balance and any payment you are
expected to make. To receive an itemized statement, please call
1-888 832 1896.
Payment
Options
Check,
Cash, or Credit Card
Payments can be made at the cashier's window in the main lobby,
Monday through Friday, 8 a.m. to 4:30 p.m., or by mail. Mercy Hospital
accepts Mastercard, and VISA. To charge a
bill, present your credit card at the cashier's window or return
your credit card information by mail on the billing statement.
Payment
Plans
The patient responsibility on the account is due upon receipt of
the statement. However, when needed, Mercy provides several payment
options, including some monthly payment plans.
For questions
about payment arrangements or your balance please call 888-832-1896.
Senior
Health Insurance Information Program (SHIIP)
Mercy Seniors Unlimited is a local sponsor of SHIIP. SHIIP counselors
are available by appointment to provide free, confidential assistance
and information related to Medicare, Medicare supplement insurance,
long-term care insurance, and health care claims.
For an appointment:
Call Mercy Seniors Unlimited at 319-339-3532 or 800-637-2942, ext.
2532.
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