Once we receive a payment or denial from your insurance company, you will receive a statement showing the amount that is due from you. This amount should be the same amount noted on the Explanation of Benefits (EOB) you receive from your insurance company. This amount is due when you receive the statement. If you have questions, please contact your insurance company. Please note that if your insurance company fails to make any payment on your account, we may ask for full payment from you. Insurance contracts vary a great deal depending on allowed services, co-payment amounts, deductibles, and co-insurance. Because of this, it is impossible to know exactly how much your insurance company will pay or how much you will have to pay.
Please note that you may receive more than one bill for services received at the hospital. Physician charges, may include bills for Radiologists, Anesthesiologists, Cardiologists, Surgeons and Pathologists, and will be billed separately. Physicians are independent of the hospital and bill for their services separately. In addition, they are required to bill on a different form than the hospital and sometimes even bill different offices. In order to send a claim to the insurance company, we are required to file a separate claim for each inpatient or outpatient visit. Depending on the types of services you received, you may receive separate bills for these different types of hospital services. Clinic bills are generally for fees such as physician or other provider services, lab tests, and x-rays. Hospital bills include technical fees for things such as hospital equipment and supplies, nursing care, room, and rehabilitation services.
"Adjustment" (discount) refers to the portion of your bill that your hospital or doctor has agreed not to charge. Insurance companies pay hospital charges at discounted rate. The amount of the discount is specific to each insurance company. When the insurance company pays their portion, the discounted amount (adjustment) is taken off to show the true amount due from the patient (co-insurance).
The amount that is due from the patient is rarely based on the total charges for the account, so the itemized bill may be of little use to you. Most insurance companies pay at a reduced rate from the total charges. The patient's amount is then based on this reduced rate. If you would like a copy of an itemized statement, please contact the Business Office at 913-360-5512.
Once your insurance company has been billed and has responded to us, we determine how much you may owe and bill you, generally the co-pay and/or deductible as determined by your insurance company. Depending on how quickly the insurance company processes the claim, it may take several weeks for you to receive a bill.
My doctor should already have this information. Physicians keep their own patient information because your health insurance coverage may be different for a physician than it is for hospital services. For these reasons, physicians and the hospitals keep separate health insurance information.
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