You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost
If you don’t have insurance or don’t intend to use insurance to pay for scheduled non-emergency health care services, federal law requires that health care providers and facilities provide you with an estimate of the expected charges for medical items and services at least 1 business day before the scheduled services are to be performed.
Any patient may request an estimate of the expected charges for non-emergency health care services that have been ordered, scheduled or referred and state law requires that health care providers and facilities provide you with an estimate of the expected bill for medical items and services within 5 business days of the request.
How can I get in contact with the Patient Accounting Department?
What forms of payment do you accept?
Personal Checks, Cashier’s Checks, and Money Orders
Credit and Debit Cards
Healthcare Savings Accounts
Why did I receive bills from different companies for the same visit?
A patient who receives services from Rush Memorial Hospital may receive more than one billing statement for those services. You will receive a hospital billing statement for the services that were rendered to you at the hospital as well as a separate bill for any Pathology or Emergency Room physician services.
The Emergency Physicians’ Bill is separate from the hospital bill. When you receive a statement from Rush Memorial Hospital for an emergency room visit, it will only pertain to charges incurred for the use of the Emergency Department treatment area, technical and ancillary personnel, supplies and equipment. It will not include the Emergency Physicians’ fees. The patient will receive an additional statement for the professional fees for the clinical and diagnostic evaluation, treatment and/or supervision of care. Vituity will bill the appropriate insurance company for services rendered and if there is a balance remaining, the patient will receive a statement directly from CEP America, LLC. If you have any questions regarding a statement received from this company, you will need to call 800-498-7157.
Additional billing statements (other than your hospital billing statement) will have the phone number of the specific billing office for questions regarding that statement. (Note: Services rendered by providers other than the hospital may not be covered by your insurance carrier. Check your policy for details.)
The insurance listed on my bill isn’t the right one. How can I change it?
First, check to see if the insurance company that you had on that date matches the date of service on the bill. If it is an incorrect insurance company or policy number, someone from Patient Accounting can assist you Monday through Friday, 8:00 a.m.-5:00 p.m. Call 765-932-7528.
Why do I need to call the insurance company if they do not pay the bill?
The patient is ultimately responsible for the total bill or a portion of the bill your insurance carrier does not pay. Our Patient Accounting Department will make every effort to resolve the account balance with your insurance carrier. Occasionally, we will be unable to resolve the issue with your insurance provider and will need your assistance.
Would I be able to get on a payment plan if I can’t afford to pay my bill all at once?
Rush Memorial Hospital has several payment options and any of our Patient Accounting Representatives will work with you to set up a payment plan that is most appropriate. For qualifying accounts, the balance may be spread over six monthly payments interest-free. If you require longer than six months to pay your bill in full, Rush Memorial Hospital has contracted with the Business Office Center in order to meet your needs. Interest-free payment arrangements established by the Business Office Center assess a $4.00 monthly service charge on all payment plans. Any of our Patient Accounting Representatives will be able to assist you in setting up a payment plan with The Business Office Center. The Patient Accounting Representatives are available Monday through Friday from 8:00 a.m. to 5:00 p.m.
Does Rush Memorial Hospital offer any discounts for patients without insurance?
A“Prompt Pay Discount” of 15% for insured accounts will be offered if the account is paid within 30 days of receiving the first statement. Self-pay accounts are eligible for a 25% discount if paid within the first 30 days. If you would like more information on these discounts, please contact our Patient Accounting Department and any of our patient account representatives will be able to assist you. The representatives are available Monday through Friday from 8:00 am to 5:00 pm.
I can’t afford to pay my balance. What can I do?
Patients’ balances due resulting from limited or no insurance coverage may qualify for financial assistance. If you would like more information on this program, please contact our Patient Accounting Department. Any of our representatives will be able to assist you. The Patient Accounting Representatives are available Monday through Friday from 8:00 a.m. to 5:00 p.m.
What is a deductible? Coinsurance? A co-payment?
A “deductible” is an annual expense that you must pay before your insurance benefits can begin. This amount can vary based on place of service (i.e. your doctor’s office vs. a hospital). Supplemental Insurance Plans may cover this.
“Coinsurance” is the portion of the total bill (usually a percentage) that is the patient’s (or guarantor’s) responsibility to pay. This amount can vary based on place of service (i.e. your doctor’s office vs. the hospital).
A “Co-pay” is a set amount paid each visit, based on your insurance policy. This usually does not count toward your deductible.
I have Medicare which usually covers my entire bill. Why am I being billed for some of my visit?
You are responsible for any applicable deductibles, co-payments, or other amounts not paid for by Medicare.
How can I tell if I have a Co-Pay?
You can check with your Insurance provider to see if you have a Co-Pay. Also, this information could possibly be found on your insurance card.
Rush Memorial Hospital is contracted with the following health insurance plans listed below:
*Note: Rush Memorial Hospital does not accept or have contracts with the following
ELAP, Non-Network (Contracted) Plans or Limited Benefits Plans
Humana Medicare Gold Plus HMO Insurance
*Subject to change.