Billing & Insurance Questions
Insurance coverage and billing policies can sometimes be confusing. At MacNeal Hospital, we hope to clear up some of the mystery around your medical payment with these commonly asked billing and insurance questions.
Do I need to let my insurance company know that I am in the hospital?
Many insurers, including HMOs and PPOs, require you or a family member call them within 24 hours of being admitted to a hospital or receiving emergency care. You insurer may not pay for your hospital care if you do not call as required, so we do suggest notifying them.
Does the hospital need a copy of my insurance card?
When you’re admitted, a copy of your identification card is needed to verify your insurance coverage. If you do not have this at the time of your registration, please have a copy sent to our registration office during your stay.
Will the hospital bill my insurance for me?
If we have insurance information on record for you, we’ll first submit bills to your insurance company. You may still need to contact your insurance company to supply additional information.
Within 30 days of your insurance paying their portion, you’ll receive a statement indicating the patient balance. This balance is due within 30 days of your billing date. This also applies to any charges still unpaid by your insurance after 60 days.
What if I don’t have insurance?
Patients who don’t have insurance will be responsible for the total payment of charges at the time services are rendered. This also applies to patients who don’t supply adequate insurance information in order to file a claim.
What if I am having trouble paying my bill?
If you don’t have insurance or have limited coverage, our financial counselors are happy to work with you to make payment arrangements prior to your discharge. MacNeal Hospital’s policy is to have accounts settled within 30 days after the statement is received, but we have also instituted a six-month payment plan to help minimize financial impact. With this plan, payments can be made in six equal monthly payments ($50 minimum monthly payment) at no additional cost to you.
If you will still have issues paying your bill, you may apply for our financial assistance program available to those in need.
How do I pay my bill?
MacNeal accepts cash, personal checks, traveler’s checks, and Visa, MasterCard, American Express and Discover credit cards. You may pay your bill in person at the hospital cashier in the main lobby or online.
Still have questions about billing and insurance? Feel free to give us a call at (708) 783-3125. We’re here to help.