Insurance FAQs1. Should I bring my insurance card with me to the hospital?
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.
2. I gave my insurance information to my doctor, why don't you have it?
Physicians are independent contractors to the hospital. Each maintains his or her own patient information. Also, your benefit coverage may be different for a physician than it is for hospital services. For these reasons, physicians and the hospitals retain separate insurance information.
3. I'm covered under my insurance and my wife's. The deductible is less under my wife's insurance. Can you just bill her insurance and not mine?
Under a provision called Coordination Of Benefits, the hospital is obligated to bill the insurance that would be considered primary for you. Any medical insurance for which you are the primary holder must be billed before any other medical insurance.
4. Even though I gave my medical insurance, I was later asked for my automobile insurance because my injury was due to an automobile accident. My medical insurance will cover the bill, why is any other insurance needed?
When we bill your medical insurance for treatment related to an accident, the carrier will want to know if there is any other insurance that may be liable for the bill. For Medicare recipients, this is a requirement to bill Medicare. If we cannot provide the information at the time of billing, the claim may be delayed, or even denied, until the information is given.
5. How do I follow-up with my insurance company?
Most insurance company ID cards have a customer service phone number on the back. Before you call, have available your insurance card, date of service, facility name, original billed amount, patient name and claim number if applicable. Write down the name of the person you talked to at the insurance company. If the bill has not been paid, find out when the anticipated payment date is, and ask what is needed. 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. Other key questions you should ask the insurance company customer service representative include the following:
Have you received the hospital's bill for these services?
Am I covered for these services?
When will you pay the hospital for these services?
What portion of this bill will I be responsible for paying?
What is the status of the account? If paid, ask when and to whom.
6. Do I need to let my insurance company know that I'm going to be in the hospital? And what will they cover?
We encourage you to check with your insurance company or your employer regarding coverage. Because there are so many types of insurance plans, we do not know if 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.
7. How do I know if my insurance company will cover my visit or certain services?
Coverage varies with each insurance company. 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.
8. Why didn't my insurance cover some services?
Insurance policies vary on what services are allowed (paid). Your particular policy may not cover a certain service or you may not have met your policy's deductible and/or co-insurance. Our insurance billing staff can help you with any questions. Please call them at the number listed on your statement.
9. How do I know if my insurance company will cover services provided by all professionals (i.e. anesthesiologists, radiologists, surgeons, and pathologists) involved with my treatment?
Again, 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.
10. How will I know if my insurance company has paid my bill?
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. You are required to pay this bill in full or set up payment arrangements by contacting PMD at 1-800-777-8645.
11. Who will bill my insurance?
As a courtesy, Atchison Hospital will bill your health insurance company on your behalf. If you have changed insurance companies, contact us as soon as possible so we may change the information on file and bill the account correctly. If your health insurance coverage is through Medicare or Medicaid you may not receive a bill. If your bill is denied or your insurance company determines that a portion of the bill is patient responsibility, you will receive a bill.
12. I have coverage under both my insurance and my husband's. Since the deductible is less under his insurance, can you bill his insurance and not mine? Unfortunately, under a provision called coordination of benefits, the hospital is required to bill the insurance that would be considered primary for you. Any health insurance for which you are the primary holder must be billed before any other health insurance.
13. Can I find out how much my emergency room service will cost and if my medical insurance will cover the visit before seeing the doctor? When someone comes to the Emergency Room, it is implied that they have a medical emergency. Specific regulations require that Emergency Room Clinicians first see the patient before we can discuss any financial questions. We understand that this restriction can be frustrating. However, the regulations are there to ensure everyone who comes to the Emergency Room will be seen regardless of their ability to pay.
14. Does Atchison Hospital bill secondary insurances? Yes. The hospital is dedicated to helping you receive full benefits from your insurance company. You will be asked to provide complete insurance information upon registration. Be sure to bring all your insurance cards with you. As a service to you, we will submit secondary claims along with required Explanation of Benefits (EOB) to your insurance provider.
15. What if I don't have health insurance?
Be assured that emergency services will never be delayed or withheld on the basis of a patient's ability to pay. If you do not have health insurance you may be eligible for Medicare, Medicaid or our Charity Care program. We also have a prompt pay discount. Please call the Business Office at 913-367-2131 for additional information.
16. Why do I get a bill when Worker's Compensation or Motor Vehicle Insurance should pay for the services provided?
To ensure your charges get filed to the appropriate payor, please be sure to provide the worker's compensation or car insurance claim number when you register. You must complete your workers' compensation or auto insurance company's required paperwork in order for your claim to be processed. Once we have the required claim number, we will bill the worker's compensation or car insurance company.
17. Will the hospital file my Worker's Compensation claims for me?
Yes, as a courtesy we will bill worker's compensation insurance if you as the patient provide the correct information, including the claim number.
18. What is a deductible or co-payment?
A deductible is the initial amount that you must pay before your insurance plan begins to pay for your bills. Typically, a deductible is a flat dollar amount (e.g. $250 or $500). If you have a $250 deductible, you insurance company should pay all of the covered charges EXCEPT the first $250, which is your responsibility to pay. A co-payment (or co-insurance, as it is often referred as) is a flat amount paid for each visit to a provider. If you have a $50 hospital co-payment, you must pay $50 for each visit and your insurance company will pay for the remaining balance on all covered services.
19. What do I do if I disagree with how much my insurance company has paid on my bill?
If you have questions regarding the payment, call your insurance company for an explanation of the payment. 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 to complete processing. 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.
Thank you for visiting our website. The Atchison Hospital is a critical access hospital that has been serving the citizens of Atchison, Kansas and the surrounding areas for over 100 years. The Atchison Hospital has a verity of professional medical care services including internal medicine, orthopedics, general surgery, sports medicine, home health and hospice, cardiac rehab and physical therapy and many more. Our staff is trained to provide the best health care for our patients. We invite you to use this resource for your healthcare needs and information. Atchison Hospital, the best care, right here.