Helpful Information About Your Hospital Bill
Hospital billing can be confusing. Catskill Regional Medical Center strives to provide you with the very best “financial care.” We hope we can answer some of the questions that you may have regarding the financial aspect of your hospital visit.
Our financial advocates are professionally trained to assist you with your “financial care” questions. For your convenience, a Financial Advocate will visit you to discuss your benefits and payment options while you are here. Our Financial Advocates at Catskill Regional can be reached at 845-794-3300 ext. 2430.
Health Insurance Billing
We will submit a claim to each of your health insurance carriers. This includes Medicare supplemental policies.
Please note the following prior to your service admission:
- Insurance Cards: You will need to present your insurance card(s) at the time of services. The information on the card(s) is important for correct identification of your insurance carrier and in reviewing the proper payment for services.
- Self Paying: Patients who do not carry insurance coverage, who are unable to provide Catskill Regional Medical Center with adequate filing information, or who wish to file their own insurance claims must either pay in full at the time they receive services or make satisfactory alternative payment arrangements.
- Workers Compensation: If the services you are requesting are the result of a work-related injury, we will bill your employer or your employer’s liability carrier. We will also ask for your health insurance information in the event that Worker’s Compensation denies the claim or does not cover all of the charges. Written authorizations are sometimes necessary.
- Past Due Accounts: In order to best serve all patients, our expectation is that all patient financial obligations are paid either prior to or at the time that services are rendered. We understand there may be a time when billing is necessary. If your account becomes past due, we, like all other hospitals, will take appropriate action to recover the amount due. If there is a problem with your account, it is your responsibility to contact the Catskill Regional Business Office at 845-794-3300 x2590 to discuss a workable solution. Certain circumstances occasionally make it difficult to pay your bills on time: therefore, extended payment plans may be arranged through the Business Office. Access alternative payment options here »
- When Services Are Not Covered: Insurance companies may not pay for all medical services. When a service, or any portion of the service, is not covered under your insurance policy, you are responsible for paying the bill or any balance due.
Patient Financial Responsibilities
We will submit a claim to your insurance company provided you supply all the required information, and benefits are assigned to Catskill Regional Medical Center. You are responsible for paying for a portion of charges not covered by your insurance and payment is expected at or prior to the time of service. If you have not paid at the time of service, all amounts billed to you are payable upon receipt of the statement. Delayed insurance payments do not relieve patients of their obligation to pay balances when due.
HMO, POS, Or PPO Insurance
Patients with HMO, POS, or PPO coverage are responsible for paying any co-payment, deductibles, co-insurance, or fees for non-covered services at the time the services are rendered. Full payment of co-pays is requested before services are rendered.
To help you get the most from your health plan, we encourage you to familiarize yourself with your insurance plan’s requirements prior to seeking care. Since employers negotiate their own contracts with insurance companies, plans can differ significantly. Each patient has a responsibility to know and understand his or her individual benefit package. A common example is a $75.00 co-pay that a number of contracted payers have for emergency room visits. Your plan may be higher or lower than our example.
“Medical Necessity” is a term that has been used in recent years by Medicare and may not be familiar to you. “Medical Necessity” means that there are procedures and services physicians may prescribe for you that they may feel are necessary to manage your health. However, Medicare may not pay for certain services based upon their policies.
In the past, Medicare has covered most procedures. With the emergence of MRI, CT scan, and other sophisticated and costly services and procedures as the diagnostic methods of choice, it is important for you to know what procedures and services will be covered by asking your physicians and/or Medicare. We also encourage you to discuss with our physicians other treatment options available to you that may give them the information that they need to treat you.
If your physician orders a procedure or service that Medicare may not cover, you may be asked to sign an Advance Beneficiary Notice (ABN). The ABN informs you in advance that Medicare is not likely to pay for the procedure or service, and that you will be responsible for payment. By signing the ABN, you are indicating that you understand and agree to be personal and fully responsible for payment.
Do You Have Any Options?
You can agree to be financially responsible for the procedure by signing the ABN form, or you can refuse the tests or services. If you refuse the tests or services, you will also be asked to sign a form indicating you’ve elected not to have the service. If you request the services and will not sign the ABN, you will still be responsible for payment.
If you need services that are not covered by Medicare, you will be responsible for payment. You have the right to appeal a Medicare decision not in your favor. If you would like to appeal a Medicare decision or have other Medicare questions, please contact the Medicare beneficiary hotline at 800-633-4227.
We offer these payment options:
- Check/Money Order
- Debit Cards
- Credit cards: Visa, Master Card, American Express and Discover
- As an added convenience, you have the option of paying your Catskill Regional Medical Center or Medical Group medical bill online. Payments can be made any time of day and as often as you would like.
If you are concerned about your hospital bill, we have other options, which we can discuss with you, such as payment arrangements or assistance through our Financial Assistance Program.
For Customer Service in Billing, the hours of operation are 8:00 a.m. to 5:00 p.m., Monday through Friday.
- Financial Advocates at Catskill Regional can be reached at 845-794-3300 ext. 2430.
- For the Billing Office at Catskill Regional, please call 845-794-3300 ext. 2590.
Services Not Billed
During your hospital stay, you may receive treatment from providers who will bill separately for their services. We will give your insurance information to these providers. If you have any questions about their bills, contact them directly.
Examples (partial listing) of separately billed services:
- Your physician/surgeon
- Other consulting physicians’ fees
- Emergency physicians (Physicians who provided emergency room services)
- Radiologists (Physicians who read and review X-rays)
- Ambulance services
- Durable Medical Equipment (DME) providers
Glossary of Terms
- Coinsurance. The share of your covered expenses, usually a percentage, you must pay after the deductible is reached. For example, a policy may require you to pay 20% of the cost of the services you receive up to a certain dollar amount. Sometimes referred to out-of-pocket amount.
- Co-Payment. A specified dollar amount you pay when you see a doctor or use outpatient services. It’s paid to the provider before or at the time services is rendered. Your copayment is determined by your insurance plan.
- Deductible. The initial amount of covered expenses you will have to pay before benefits are paid under your policy.
- Fee-for-Service. A method of charging under which a physician or other provider bills for each visit or service.
- Health Maintenance Organization (HMO). A type of managed care plan that contracts with select physicians, hospitals, and other providers to provide care for enrollees. In an HMO, you usually must receive all of your care from the providers in the network for you services to be covered.
- Medicaid/Medical Assistance. A government program that provides healthcare coverage for low-income individuals and families.
- Point of Services (POS). A type of managed plan that allows HMO members to seek care from non-HMO physicians, but the premiums for POS Plans are much more costly than those for traditional HMOs which restrict choice of physician.
- Pre-admission Certification/Prior Authorization. A written OK from health plan that certain services provided by the hospital will be covered by your health plan. You must have your authorization in hand in order to continue to the services requested.
- Preferred Provider Organization (PPO). A type of managed care plan that contracts with select physicians, hospitals, and other providers to provide care for enrollees under negotiated price discounts.
- Premium. A periodic payment made by a policy holder (employer, individual) for the cost of insurance.
- Referral. A written OK from your primary care doctor for you to see a specialist or receive certain services.