We know that being hospitalized or having a medical procedure can be stressful. The Business Office at Ferrell is committed to simplifying the registration, billing and insurance process so you can focus on yourself and your loved ones. Take a moment to review these helpful tips prior to your visit to Ferrell Hospital.
If You Have Health Insurance...
Your Responsibility: Before undergoing medical procedures or being hospitalized, familiarize yourself with the terms of your insurance coverage. You will be responsible for co-payments, deductibles and other non-covered services that insurance does not pay. Payment may be requested during registration. Please be prepared to provide a copy of your health insurance card prior when you register.
Our Commitment: For most insurance plans, we will verify your insurance coverage and bill your insurance company on your behalf. You will be responsible for paying any amount of your bill that your insurance company does not pay. If you make an overpayment, we will refund the amount after we receive all payments from your insurance company.
If You Are a Member of an HMO or PPO
Your Responsibility: Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) sometimes have special requirements, such as pre-certification for certain procedures or second opinions before a surgical procedure is approved. Although we will assist, you are responsible for ensuring that all the requirements of your health insurance plan are met; otherwise you may be responsible for payment of all or part of the services rendered by the hospital.
Our Commitment: If we accept insurance assignment, we will bill your insurance company on your behalf. We will also verify coverage with your insurance company either before or during your hospital stay. We will request additional payments from you for any amounts of your bill that your insurance company does not pay. If you make an overpayment, we will refund the amount after settlement with your insurance company.
If You Are Covered by Medicare
Your Responsibility: Familiarize yourself with your Medicare benefits before a medical procedure or hospitalization. Medicare may pay all or a portion of your hospital charges, but understand that non-covered fees are your responsibility. Be aware that Medicare specifically excludes payment for certain services, such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations and others. Prior to services, please provide a copy of your Medicare card. Also, you must complete and sign the appropriate forms, including the Medicare questionnaire, noting your Medicare recipient number. Medicare deductible amounts for inpatients are due at the time of discharge, unless you have a Medicare supplemental policy. Outpatients are expected to pay their co-insurance and deductibles at time of registration.
Our Commitment: Ferrell will verify your Medicare eligibility and process your claim. If you have a Medicare supplemental insurance policy or second insurance, we will bill them for you as well.
If You Are Covered by Medicaid
Your Responsibility: Familiarize yourself with your Medicaid benefits before a medical procedure or hospitalization, and understand that non-covered fees are your responsibility. Medicaid may pay for all of your charges, but be aware that Medicaid has payment limitations on a number of services. Prior to services, please provide a copy of your Medicaid card.
Our Commitment: Ferrell will verify your Medicaid eligibility and process your claim.
If You Have No Insurance
Your Responsibility: Patients without medical insurance coverage may be asked to prepay an estimated bill or make other payment arrangements in advance. It is the responsibility of the patient, or their legal representative, to contact the Patient Accounts Department to discuss financial arrangements. Ferrell Hospital has a variety of programs available to assist patients with their bills based on the patient's household income and ability to pay.
Our Commitment: Ferrell Hospital is committed to providing quality care to all patient in need. Financial assistance is granted to those who qualify through our Hospital Assistance Program.
Extended Payment Arrangements
If you are unable to pay the balance of your bill either before or at the time of discharge, you may qualify for an extended payment plan.
If you have questions about this information during your stay, please call the Business Office at 618-273-3361. The office is open Monday through Friday from 8:30 am – 4:30 pm.
Payment/payment arrangement is expected when bills are received. You may use cash, check, Visa, MasterCard, Discover or American Express to pay your hospital bill.