Covenant Health St. Michael Hospital
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Insurance FAQ's

Q. Should I bring my insurance card with me to the hospital?
A. Yes, the information on your insurance card is needed for the hospital to file a claim with your insurance company or companies. When you register we will ask for information about your insurance coverage and have you sign a few forms. This registration process goes much faster when you bring your insurance information with you. Herzlichen Glückwunsch, dass Sie uns gefunden haben! Hier sind Sie genau am richtigen Ort! Unsere praktische Online-Apotheke bietet Ihnen eine breite Palette an pharmazeutischen Produkten, einschließlich Original Cialis. Es war noch nie einfacher, das Medikament sicher online zu kaufen, um einen effektiveren Geschlechtsverkehr zu haben! Finden Sie das Original Cialis in Tabletten in der Dosierung, die Ihren Bedürfnissen am besten entspricht, ab 20 mg in unserer Online-Apotheke, und Sie werden erstaunt und angenehm überrascht und mit den Ergebnissen zufrieden sein.

Q. Will you bill my insurance company for me?
A. Yes, as a courtesy we will bill your insurance company, or companies. It is your responsibility to provide any requested information to your insurance company (accident information, claim forms).

Q. Will the hospital file Worker's Compensation, motor vehicle accident or medical liability claims for me?
A. Yes, we will bill worker's compensation insurance if the patient provides the information. We do not bill third party insurance's (i.e. attorneys, auto insurance) except if the patient has Medicare. We allow the patient to bill liability insurance on their own but would require the patient to pay the hospital bills because we can not become involved in liability disputes.

Q. Do I need to let my insurance company know that I'm going to be in the hospital? And what will they cover?
A. We encourage you to check with your insurance company or your employer about this. Because there are so many types of insurance plans, it is difficult for us to tell you whether or not you need prior approval or notification for your hospital stay. Contact your insurance company or your employer with specific questions about what is or is not covered by your insurance plan.

Q. How do I know if my insurance company will cover my visit or certain services?
A. Coverage varies with each insurance company. Generally, the hospital staff does not know whether a particular service will be covered. Medically necessary and appropriate services may not always be covered by your insurance contract. Please refer to your insurance member handbook or call your insurance company with questions.

Q. How do I know if my insurance company will cover services provided by all professionals (i.e. anesthesiologists, radiologists, and pathologists) involved with my treatment?
A. We encourage you to check with your insurance company or your employer about this. Each professional needs to contract individually with insurance companies and the hospital does not know if each professional is contracted with your insurance company.

Q. How do I follow-up with my insurance company?
A. Before you call, have available your insurance card, date of service, facility name, original billed amount, patient name and claim number if applicable. Obtain satisfactory status of account. If paid, ask when and to whom. Note this information and whom you talked to at the insurance company. If the bill has not been paid, find out when the anticipated payment date is, and ask if they need anything from you. If the bill is not paid in the stated timeframe, follow-up with the insurance company again and, if necessary, request to speak to a supervisor.

Q. How will I know if my insurance company has paid my bill?
A. If there is a balance due from you after the insurance company has paid its portion, we will send you a statement. This statement indicates the amount that has been paid and any balance you are required to pay. This is your bill. You are required to pay this bill in full or will need to contact our office.

Q. What do I do if I disagree with how much my insurance company has paid on my bill?
A. If you disagree with the insurance company's payment amount, contact the insurance company and ask them to review how the claim was processed. If the insurance company finds that an error was made, note the information and whom you talked to at the insurance company. Request an anticipated payment date and ask if they need anything from you. If the insurance company feels the bill was paid correctly and you still disagree, find out from the insurance company what you need to do to file an "appeal" with them. Filing an appeal will not guarantee that the insurance company will pay more on your bill, but the claim will be reviewed for reconsideration.

Insurance FAQ's
Payment FAQ's
Medicare FAQ's


March 4, 2003
11:24 AM


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