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Answers to General Questions

General Questions

1. What do I need to know about my medical bills?

When making medical payment decisions, make sure you know:

  • the total costs
  • what your insurance will cover
  • what you will have to pay out-of-pocket
  • what method of payment the hospital accepts
  • if you or your physician’s office staff will be completing insurance forms

2. What is a deductible? A co-payment?
  • A deductible is the initial amount of “covered” health costs that you pay before your insurance plan begins reimbursement. A deductible is usually a set dollar amount such as $250 or $500.
  • A co-payment is the portion of your health care expenses not covered by insurance. A co-payment is usually a percentage figure, like 10% or 20%.
    For example, on a $500 bill, your deductible might be $150, so you would have to pay the first $150. This leaves a balance of $350. Of that $350, your co-payment might be 20%, meaning that you would have to pay an additional $70. Your insurance company would pay the remaining $280.
  • Once you have this information, there are a number of options for paying your bill:
    • If your insurance pays all but a deductible or co-payment, you may be required to pay an estimate of your portion of the bill at the time of service.
    • The hospital will file the claim for you. After insurance has made payment, you will receive a bill asking for payment on the balance using cash, check, or credit card. You can also pay online.
    • In certain circumstances, you will be able to make monthly payments to the hospital until your bill is paid in full. You should discuss this with our Customer Service Department at 270-745-1100 or 800-786-1581.

Make sure you understand your payment options.

3. Who is responsible for paying my bill?
  • Although we will bill your insurance company directly (unless you specify otherwise), you are ultimately responsible for making certain that your bill is paid.
  • If a balance remains after your insurance has issued a payment or a denial, your payment is due upon receipt of your statement.
4. What other bill(s) will I receive?

In addition to your bill from your hospital or primary provider, you may receive bills from other physicians who may have provided services to you. For instance, you may receive bills from consulting physicians, emergency room physicians, radiologists, or other specialists. A partial list of providers and their phone numbers is provided below. Please contact their office directly if you have questions concerning their bills.

  • BGM, FMC & SMC ER Physician Team Health (888) 952-6772
  • CMC ER Physician Staffing Solutions (800) 225-0953
  • Med Center Health Anesthesia (800) 919-1190
  • Medical Center EMS (270) 745-1100
  • MSN LLC Radiologist Billing (800) 841-4236
  • Pathology Billing Services (877) 268-0407
  • Professional Surgical Assistants (270) 781-4828

5. Did you bill my correct insurance?

To find the answer to this question, please check your account details.

6. What is pending with my insurance?

To find the answer to this question, please check your account details.

7. What do I owe?

To find the answer to this question, please check your account details.

8. Did you receive my payment?
  • To find the answer to this question, please check your account details.
  • If you recently mailed us a payment, please allow mail and posting time of almost five (5) days. For online payments, please allow two (2) working days.
9. Why didn’t my insurance pay?

Please contact your insurance directly for this information.

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