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Understanding Bills and Insurance

The back of your insurance card  usually lists a telephone number and instructions to find out what your insurance covers. If there are terms that you don't understand, you can reference our online Billing Glossary.

What Insurance Covers

Because some insurance policies may cover only part of your bill, you may wish to contact your employer or insurance carrier in advance to be sure you know what your policy will cover. Most insurers require that you pre-certify your stay prior to your day of surgery/admission.

What’s on Your Bill

For your convenience, the facility where you receive services will bill your insurance carrier(s) directly. Each physician, including your anesthesiologist and radiologist, will bill you or your insurance carrier separately. Their charges will not appear on your facility bill. For more information about health plan participation of Arnot Health hospitals or associated providers, click here.

Your basic room charge includes 24-hour nursing care, meals and housekeeping. Other services you receive, such as X-rays, laboratory tests or medications, will be listed separately on your statement.

At Discharge

The facility’s prearranged discharge program allows you to complete the necessary forms when you arrive for your services, so that, in most cases, you don’t have to visit the Cashier’s Office at time of discharge.

How You Are Billed

You should receive an explanation of benefits from your insurance carrier detailing the amount of the bill that is being covered and the amount that is owed by you. You will receive a statement from the facility’s billing department for the balance.

Billing inquiries for all hospital and AMS may be directed to:

Patient Billing Call Center

If paying all or part of your bill poses a financial hardship, find resources in Financial Assistance.

Private Room Charges

If your doctor decides a private room is medically necessary, your insurance carrier may cover the charge. Insurance carriers will not cover the extra charge for a private room if you request it for personal convenience. If you request a private room, you’ll be expected to pay the difference between the private daily rate and the semiprivate daily rate.

Cosmetic Surgery

For cosmetic procedures, plan to pay charges in full before your admission. For elective procedures, you may be asked to provide a deposit before your stay, if your insurance coverage is limited or if you have no coverage at all.

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