Hospital billing questions and answers Do I need to tell my insurance company that I will be in the hospital? And what will they cover? Should I bring my insurance card with me to the hospital? Should I pay my co-payment when I register for my hospital visit? Will you bill my insurance company for me? How will I know if my insurance company has paid my bill? How do I follow up with my insurance company? When will I receive a bill? How can I pay my patient balance? What if I get more than one bill? When do I become responsible for my bill? What if I have no insurance and cannot pay or have trouble paying my bill? 1. Do I need to tell my insurance company that I will be in the hospital? And what will they cover? Because there are so many types of insurance plans, we usually cannot tell you whether you need prior approval or notification for your hospital stay. That’s why we encourage you to contact your insurance company or your employer with questions about what is or is not covered by your insurance plan. --back to top-- 2. Should I bring my insurance card with me to the hospital? Yes. The hospital needs information on your insurance card to file a claim with your insurance company. When you register, we will ask for information about your insurance coverage and have you sign a few forms. This process goes much faster when you bring your insurance information with you. --back to top-- 3. Should I pay my co-payment when I register for my hospital visit? Yes. --back to top-- 4. Will you bill my insurance company for me? Yes. As a one-time courtesy we will bill your insurance company. It is your responsibility to provide insurance information requested (explanation of benefits, claim form, accident information) in order to make this happen. If you have more than one insurance plan, you need to provide a copy of the explanation of benefits to the second insurance. For example, if you're on Medicare in addition to another health plan, you should send an explanation of your Medicare benefits to the other health plan. (For more about Medicare billing, see our Medicare questions and answers.) --back to top-- 5. How will I know if my insurance company has paid my bill? After your insurance company has paid its portion of your hospital bill, we will send you a statement of account. This statement indicates the amount that has been paid and any balance you are required to pay. You have 30 days to pay any balance indicated on the statement of account. --back to top-- 6. How do I follow up with my insurance company? When you call your insurance company about a claim, be sure to do the following: Have available your insurance card, date of service, facility name, original billed amount, patient name and claim number if applicable. If the bill has been paid, ask when and to whom. Note this information and whom you talked to at the insurance company. If the bill has not been paid, find out when the anticipated time frame of payment is, and ask if they need anything from you. (You may need to contact the clinic or the hospital's medical records department.) If the bill isn’t paid in the stated time frame, call the insurance company again and, if necessary, ask to speak with a supervisor. --back to top-- 7. When will I receive a bill? If you gave us insurance information when you registered, you will receive a summary bill with an estimate of what your insurance covers and what you should pay for. --back to top-- 8. How can I pay my patient balance? We offer three payment options: Cash, check or money order: Make check or money order payable to the hospital where the service was received, and include your account number. Mail it to Logan Medical Center, P. O. Box 1017, Guthrie, OK 73044 Credit card: We accept MasterCard, Visa or Discover. If you cannot pay within 30 days, please call a patient financial counselor at 405-282-6700 to make payment arrangements. Learn about our financial assistance services. --back to top-- 9. What if I get more than one bill? Extra bills are usually for services done at the hospital by different medical professionals. For example, if you received anesthesia during your hospital stay, you may receive a bill from the anesthesiologist. If you have questions about a specific bill, please call the phone number listed on that bill. --back to top-- 10. When do I become responsible for my bill? You are legally responsible for your bill at the time you receive services from the hospital. We require all patient balances to be paid within 30 days after you are notified that you have a balance. --back to top-- 11. What if I have no insurance and cannot pay or have trouble paying my bill? Logan Medical Center offers a financial assistance program that will help patients find payment solutions when necessary. Assistance is available to the medically indigent, uninsured, underinsured, or financially needy individuals or families who reside in Logan County. Assistance may include aid in finding programs where eligibility might be available such as insurance, Medicare, Medicaid, workers' compensation, third-party liability (e.g., automobile accidents or personal injuries) and other programs. It may also include discounts determined on a sliding scale of total household income. The application process is easy. You will need to fill out an application form and submit it along with proof of income (pay stubs or benefit letters, current Federal 1040 taxes, monthly bank statements, and government assistance letter) and submit it to the LMC Business Office. The Business Office will contact you once your information is received. For those who do not qualify for financial assistance based on the current guidelines, extended payment plans may be available. Please contact the Business office to discuss your specific needs. --back to top-- More Information Clinic billing questions Financial Services Medicare billing questions