All patients should familiarize themselves with the terms of their insurance coverage. This will help you understand the medical center’s billing procedures and charges.
- If you have health insurance, we will need a copy of
your identification card. Depending on the extent of your coverage and
deductible requirements, you may be asked to pay a deposit. We also may
need the insurance forms, which are supplied by your employer or the insurance
company. You may be asked to assign benefits from the insurance company
directly to the medical center.
- If you are a member of an HMO, a managed care plan,
or a PPO, your plan may have special requirements, such as a second surgical
opinion or pre-certification for certain tests or procedures. It is your
responsibility to make sure the requirements of your plan have been met. If
your plan’s requirements are not followed, you may be financially responsible
for all or part of the services provided by the medical center. Some
physicians may not participate in your health care plan, so their services may
not be covered.
- If you are covered by Medicare, we will need a copy
of your Medicare card to verify eligibility and to process your Medicare
claim. You should be aware that Medicare specifically excludes payment for
certain items and devices, such as cosmetic surgery, some oral surgery
procedures, personal comfort items, hearing evaluations, and others.
Deductible and co-payments are the responsibility of the patient.
- If you are covered by Medicaid, we will need a copy
of your Medicaid card. Medicaid also has payment limitations on a number
of services and items. Medicaid does not pay for the cost of a private room
unless medically necessary.
- If you do not have insurance, a financial counselor
from the Patient Accounting Department will discuss financial arrangements
with you, or if requested can provide an application for
McLaren Flint is responsible for submitting bills to your insurance company and will do everything to expedite your claim. Your insurance policy is a contract between you and your insurance company, and you have final responsibility for payment of your medical center bill.
Your medical center bill reflects all services you received during your stay. Charges fall into two categories: a basic daily rate, which includes your room, meals, nursing care, housekeeping, telephone and television; and charges for special services, which include items that your physician orders for you, such as X-rays or laboratory tests.
If you have certain tests or treatments in the medical center, you may receive bills from physicians you did not see personally. These bills are for professional services provided by these doctors in diagnosing and interpreting test results while you were a patient.
Pathologists, radiologists, cardiologists and other specialists perform services, and are required to submit separate bills. If you have any questions about these bills, please call the number printed on the statements you receive.