Understanding Your Bill
When receiving care at Stephens County Hospital on either an inpatient or outpatient basis, you will most likely receive more than one bill for your visit. This section provides information to help you understand how we process your bills.
Your Hospital Bill
Your hospital bill may include radiology, laboratory and other testing services, operating room services, inpatient room and board charges, emergency services, pharmacy, medical supplies and other services provided by the hospital. You may also receive lab work at your physician’s office that may be sent to our lab for processing. Ambulance services are not part of your hospital or physician’s bill.
Your Doctor’s Bill
Bills for physician services will include office visits, examinations, test analysis, surgical procedures and consultations performed by physicians and physician assistants. These services may be performed in a physician’s office or on the hospital campus.
Stephens County Hospital works with many insurance companies as well as Medicare and Medicaid. Prior to a non-emergency visit to the hospital or physician’s office, it is important for you to contact your insurance carrier to be sure that Stephens County Hospital or your physician is a participating in-network provider. If your insurance does not list your physician and Stephens County Hospital as an in-network provider, your services may be considered “out-of-network” or not be covered and you may be responsible for all or a larger portion of your bill.
Most health plans require authorizations, or prior approval, particularly for elective services, and may require that you notify your primary care physician. If your insurance company decides that your service was not medically necessary, is not a covered service, or is due to a pre-existing condition, they may not cover your care. You are expected to pay the entire bill at the time of your visit. Deductibles, co-payments and any money due for your service will be requested either during your pre-registration process or at your initial registration.
Bring your insurance cards and authorization forms to every visit and present them at registration. We will ask you to sign forms, such as a release of information, and possibly additional forms, depending on the nature of your visit. Please inform us of any changes in your insurance coverage. The lack of current information can cause payment delays or denials that may ultimately leave you responsible for payment.
Co-payments, deductibles, co-insurance and other balances you may owe for both hospital and physician services are due on the day you receive the services. The amount of money patients can expect to pay at the time of service is based on estimated charges. Stephens County Hospital will send a bill for any balance remaining after insurance payments to the responsible party. If you have questions regarding your deductibles, co-pays or co-insurance payments, please call your insurance company.