Paying for your Health Care
The Business Office and Patient Advocate at Pella Regional are available to help patients work through your health care bills. Billing and collection for health care can be confusing, and at Pella Regional, we want to help.
The patient receive a bill when:
- Your insurer responds with an Explanation of Benefits (EOB) indicating that you have a balance due.
- Your balance is not paid in full.
- Your insurance has not responded to a claim submitted or you have no insurance.
Many physicians are independent and are not employed by the hospital. Fees charged by these physicians for services provided to you at Pella Regional will be billed separately from the hospital.
If you need to work through payment options that may be available to you, contact our Patient Advocate. These individuals are here to work with you to plan for upcoming procedures and help you identify what you can expect to pay for specific procedures. We encourage you to plan ahead and be aware of the financial requirements of your health insurance plan. Our Patient Advocate can help you with this process.
Planning for your Health Care Needs
It is important to plan for medical expenses. Even routine medical care can be expensive. And there is no way to know when a medical emergency will strike. With every medical situation, there is a cost incurred. It is to your benefit to learn about the details of your insurance and understand your co-pay and deductible responsibilities. With that information, you can more adequately save for an emergency situation.
When registering for medical service at Pella Regional, you will be requested to pay the patient portion of your charges. The amount the patient pays varies depending on your insurance coverage. Most policies require patients to pay a deductible and a percentage of the remaining cost of services.
Patients with Insurance
You are ultimately responsible for payment of any service received, even if your insurance does not cover the cost. If your payment is not received in a timely manner from the insurance company, you are responsible for the payment at the insurance-approved amount.
Patients without Insurance
If you do not have insurance coverage, it is your responsibility to make payment arrangements for any services received. Please contact the Patient Advocate in advance to discuss payment options
Patients will always receive necessary emergency care regardless of their ability to pay.
Insurance Filing Services
Insurance Filing Services
- We file your claims to any insurer in the country, provided we receive the appropriate information.
- We file your claims to any secondary insurance you may have in effect. We only file if there’s a balance left.
- We receive payment directly from most insurers.
- We provide financial counseling.
Please take the following steps to help the process:
- Bring your current insurance cards with you to every visit.
- If your insurer requires a specific claim form to be attached to your claims, please bring the completed and signed form for each service and present it to the registration person.
Most major insurance companies participate with Pella Regional. We accept the amount an insurance company deems to be usual, customary and reasonable, if we are a participating provider in a health plan. You are responsible for any co-pays and/or deductibles, etc. If you choose to receive a service that is not covered by your health insurer or if we do not participate with your insurer, you are responsible for the entire payment.
Inability to Pay Bills
Pella Regional follows fair billing practices required by the Health Care Finance Administration. This means we must attempt to collect all amounts owed after insurance has paid from every patient served by our facility. If you have not paid your bill and have not contacted the business office to make payment arrangements after receiving three statements, the staff attempts to contact you in order to resolve your balance.
We understand and respect the stress and strain that is created by medical bills. Pella Regional can provide financial assistance to individuals who qualify. Support is based on need, and eligibility must be demonstrated.
If you would like more information on financial aid requirements, please call the Business Office at 641-628-6601. Our staff can explain the details and help you fill out the necessary forms.
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