About the Billing Process
What you can do
第一步:在服务或入院之前,熟悉你的保险
If you are covered by insurance, 在去医院之前,熟悉你的保险计划和/或联系你的保险公司总是一个好主意. Understanding your referral, 授权和财务要求将有助于避免任何潜在的延迟或问题. 了解您的保单或计划是否需要预先授权或转介. 如果是这样,联系你的保险公司,看看你需要做些什么来获得一个.
Reminder: Medicare and Medicaid require written orders for all exams.
Step 2: Bring the following to your appointment
Come to your appointment at UP Health System with your:
- Insurance card
- Name and address of your plan or insurer(s)
- 申索支付人的名称及地址(如与保险公司不同)
- Your ID and group numbers
- Name of the policyholder or subscriber
If applicable, for workers’ compensation, automobile, or personal injury cases, we require the name and address of your attorney, as well.
Our medical billing process: Here's how it works
If you have insurance, we submit a claim for payment, and any secondary claims, 在你指定的保险范围内的保险公司, including workers’ compensation, auto insurance and personal injury.
Uninsured
If you are uninsured (self-pay), 您将收到一份要求在出院后30天内全额付款的明细账单,以及随后的月度报表和/或信件,表明您在付款或调整后的新余额.
Insured
Once your insurance company has made payment, 我们将寄给您一份余额对账单,说明您的保险未包括的任何金额. 随后的月结单和/或信件将寄给您,说明您在任何付款或调整后的新余额.
最终,你要负责支付账户款项.
如果您的保险公司没有支付您的服务或程序后,请联系您的保险公司 30 days.
You can contact your insurance company by:
- 拨打你保险卡背面的电话号码
- Visiting your insurance company's Web site
- 和你雇主人力资源部的人谈谈
Financial Assistance
如果您没有保险,请访问或致电906商务服务部.449.1422. We have payment plans and financial assistance options, 我们的财务顾问将与您一起确定您是否有资格获得经济援助或自付折扣.
Why so many statements?
UP Health System - Portage 将其雇用医生服务与医院服务分开的账单. 因此,大多数患者至少会收到两张账单 UP Health System - Portage:一个用于医院(设施)服务,一个用于医院雇用医生服务. You also may receive other bills from non-UP Health System - Portage staff that are related to your stay at the hospital (i.e. Superior View Radiology - (877) 424-3330).
Understanding Your Bill
The first step to understanding your UP Health System - Portage 要知道,您可以从我们这里收到两种类型的账单. 我们寄去医生服务的账单,其中包括去诊所看病. And we send bills for hospital services, which include laboratory fees, inpatient stays, emergency room visits, etc.
Example Bill - Physician Practices
Example Bill - Hospital
Organizing Your Bills
整理医疗账单和账单可能很有挑战性. To help, 我们整理了一份建议清单,你可能会发现这些建议对建立一个管理这些重要文件的系统很有帮助.
After a hospital stay or a visit to your doctor, you may receive different types of documents, such as bills, account statements, 医疗保险索赔表格和处方信息. It is important to keep these together and in order. 首先,准备一个有隔板和口袋的大笔记本是很有帮助的. 几个普通文件夹或手风琴文件也可以工作.
在口袋或个别文件夹贴上以下标签:
- 每个服务提供者(您的医生、医院、诊所等).)
- Prescription information
- Extra insurance forms
- Miscellaneous
Review statements carefully
确保你理解你收到的账单和对账单. 如果您有任何疑问,请拨打账单或对账单上的电话号码进行澄清. 向帐单部索取一份详细的帐单,以帮助你了解没有提供的费用清单.
Read each bill or statement carefully and thoroughly.
Review the information looking for:
- Name of the provider
- Address of the provider
- Your account number
- Date of service and associated charges
- Description of service
- Your name, and insurance information including Medicare
- Phone number to call with questions
Explanation of benefits (EOB)
If you have health care insurance, 你可能会从你的保险公司收到一份利益解释(EOB). 这将说明是否支付了费用,是否拒绝支付费用,或者是否需要额外的信息. 按服务提供者及收费总额对你收到的eob进行分类. 提供者名称将显示为您的医院、医生办公室、实验室等的名称.
把你收到的账单按供应商的名字分开. 查找服务日期(您进行测试或程序的日期或您的医生办公室访问的日期)以及在您分类和组织与每个提供者相关的文件时收取的总费用.
接下来,将提供者对账单与保险支付对账单(EOB表格)进行匹配.
拿出供应商账单,查找服务日期和收费金额. Next look at the insurance EOBs you have received, 然后是补充eob(如果你有多个保险计划).
Clip them together in this order:
- Place the provider bill on top
- Then attach the insurance payment statement (EOB)
- Lastly, attach the supplemental EOB form, if applicable
按照相同的过程,继续处理提供商账单的其余部分. Place any duplicates in a separate stack to be discarded.
Supplemental Insurance
If your primary insurance has paid on the claim, then any supplemental insurance you have can be billed. If the service provider is billing insurance for you, 然后,只需将保险支付表格归档到正确的提供商文件夹或分划中作为您的记录.
However, 如果您必须与您的二级保险一起提交索赔, 制作EOB表格和供应商账单的影印本很重要. 在复印件上写上你的补充身份证号, 然后将EOB表格和分项账单邮寄给保险公司. 请注意:一些保险公司要求他们自己的索赔表也包括在内. Follow your insurance company’s procedures.
当您的保险支付了每个供应商的费用时, and there is no remaining balance due, mark the bill as paid. File together the provider statement, EOB表格和其他保险利益确定表格在适当的文件夹或分隔.
Keep Track of Payments
To keep track of all the payments, 把这些信息记录在一张纸上,以便于回顾.
Make a list of the following:
- Provider of service
- Account number
- Date of service
- Total charge for service
- Amount paid by insurance if applicable
- Amount paid by you
- Current balance