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1. |
What's the best way for me to pay my hospital
bills? |
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2. |
What is a deductible? Coinsurance? A co-payment? |
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3. |
Who is responsible for paying my bill? |
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4. |
What other bills will I receive? |
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5. |
Did you bill my correct insurance? |
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6. |
What is pending with my insurance? |
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7. |
What do I owe? |
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8. |
Did you receive my payment? |
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9. |
Why didn't my insurance pay? |
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10. |
What if I didn’t give anyone
my insurance information at the time of service? |
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11. |
What is Pre-authorization,
and who is responsible for taking care of it? |
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12. |
I was injured at work – why
am I getting a bill? |
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1. |
What's the best way for me to pay my
hospital bills?
The fastest, easiest way to pay your bills is through our
secure online bill payment page. Our bill payment options
include:
- Secure online bill payment - Click
here to pay online.
- Contact us by telephone and pay with your credit card.
We accept Visa, MasterCard, and Discover Credit Cards.
- Stop by the Patient Account Services office and make
a direct payment in full. Click
here for directions to our office.
- You can make payment at the time of service (ex. making
payment at the registration desk) or any time after the
service. Locations where payment can be accepted at the
time of service include:
You can also mail a cashier’s check, personal
check, or credit card information for payment in full
directly to our office. Click
here for contact information.
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2. |
What is a deductible? Coinsurance? A-co-payment?
Insurance plans generally
have deductibles, co-pays,
and/or coinsurances.
- A "deductible" is
an annual expense that you
must pay before your insurance
benefits can begin. This amount
can vary based on place of
service (i.e. your doctor’s
office vs. a large hospital).
Supplemental Insurance Plans
may cover this cost.
- "Coinsurance" is the portion of the total
bill (usually a percentage) that is the patient’s
(or guarantor’s) responsibility to pay. This amount
can vary based on place of service (i.e. your doctor’s
office vs. a large hospital). Supplemental Insurance
Plans may cover this cost.
- A "Co-pay" is a set amount paid each visit,
based on your insurance policy. This usually does not
count towards your deductible.
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-insurance might
be 20%, meaning that you will have to pay an additional
$70. Your insurance company should pay the remaining
$280. The hospital will file this claim for you. After
insurance has been billed, you may receive a bill on
any remaining balances.
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3. |
Who is responsible for paying my bill?
The hospital will bill your insurance company directly
( unless you specify otherwise), still, 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, payment is due immediately upon receipt
of your statement.
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4. |
What other bills will I receive?
In addition to your bill from the hospital, you may receive
bills from private practice physicians who may have provided
services to you. For instance, you may receive bills from
consulting physicians, radiologists, or other specialists.
Please contact their office directly if you have questions
concerning their bills.
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5.
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Did you bill my correct insurance?
Questions about insurance may be directed to our Patient
Account Services at (207) 973-5000 or toll-free at
(877) 366-3662 ext. 5000.
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6. |
What is "pending" with my insurance?
You may have received a letter or questionnaire from
your insurance company requesting additional information.
If you do not respond to this, the bill may become
your responsibility.
Questions about your account may be may be directed
to our Patient Account Services at (207) 973-5000 or
toll-free at (877) 366-3662 ext. 5000.
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7. |
What do I owe?
You should receive an account statement in the mail.
Your statement will reflect any unpaid balances on
your account.
Questions about your account may be may be directed
to our Patient Account Services at (207) 973-5000 or
toll-free at (877) 366-3662 ext. 5000.
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8. |
Did you receive my payment?
Any new payments made on your account should be reflected
on your next account statement.
Questions about your account may be directed to our
Patient Account Services department at (207) 973-5000
or toll-free at (877) 366-3662 ext. 5000.
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9. |
Why didn't my insurance pay?
You should have received an Explanation of Medical Benefits
(EOMB) or Explanation of Payment (EOP) from your insurance
company, showing how they considered your claim. This EOMB/EOP
should have a contact telephone number or web site where
you can reach your insurance company for questions. Please
contact your insurance company or benefits office with
questions about denied claims.
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10. |
What if I didn’t give anyone my insurance
information at the time of service?
If your service was within the past five days, you
should contact our Registration Department at (207) 973-5000. After five days pass, you should call the
Patient Account Services office at (207) 973-5000.
In order to prevent pre-certification and timely filing
issues with your insurance plan, it is important that
you contact us immediately.
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11. |
What is pre-authorization, and who is responsible
for taking care of it?
Many insurance plans require prior approval for services
by patients and/or their Primary Care Providers (PCPs)
before services can be covered. This is often referred
to as pre-authorization.
Before your visit to an Eastern Maine Healthcare facility,
please review your health-plan booklet or call your insurance
company representative to clarify your specific policy
benefits and requirements. Many Insurance Carriers also
have their own web sites – information about your
company’s web site can be found in your insurance
policy handbook, on your insurance card, or at your benefits
office.
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12. |
I was injured at work – why am I getting
a bill?
After notifying your employer of a work related injury,
your employer should have filed a ‘Notice of
Injury’ with the company’s workers compensation
carrier. If they did not, the claim may be denied and
become your responsibility.
Please check with your employer regarding the status
of your workers compensation claim.
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