If You Have Health Insurance

You should be familiar with the terms of your insurance coverage. It is the responsibility of the patient know the terms of their insurance coverage and to be sure pre-certification is completed if required. 

If you provide Baptist Health System with accurate insurance information, we will submit bills to your insurance company and do everything possible to get your claim processed in a timely manner. You should remember that your policy is a contract between you and your insurance company, and you have the final responsibility for payment of your bill. We have several payment options available to assist you in paying your bill. 

If you have any questions about your coverage, call your insurance agent or employer. 

If You Have No Health Insurance

Financial Counselors are available at each hospital to discuss financial options based on your needs. 

Acceptable Forms of Payment

Baptist Health System accepts cash, check, MasterCard, Visa, American Express and Discover as forms of payment. You may also make an electronic payment. You can access our online bill pay system by using the link reference provided on your statement or by using the Pay Now feature on the www.bhsala.com website. 

If You Are a Member of an HMO or 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 rendered in the hospital. Some physician specialists may not participate in your health care plan and their services may not be covered.

If You Are Covered by Medicare/Medicare HMO

We will need a copy of your Insurance card to verify eligibility and process your claim. You should be aware that the Medicare program specifically excludes payment for certain items and services, including but not limited to cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations and others. Deductibles and co-payments are the responsibility of the patient and due at the time of service.

If You Are Covered by Medicaid

We will need a copy of your Medicaid card. Medicaid has payment limitations on a number of services and items. Medicaid does not pay for the cost of a private room. Co-pays and deductibles, as required by Medicaid, are due at the time of admission. Medicaid Patient’s
First recipients are required to obtain a referral from their PCP (Primary Care Physician) prior to scheduled health care services.


Your Hospital Bill in Detail

The hospital will submit bills to your insurance company based on the information you provided 
at the time of service. You will receive a bill after insurance payment for any outstanding balance. If you have a question about your bill, our customer service representatives are here to serve you. You can reach them at 800-443-1039. You may receive bills from your own doctor, doctors who assisted in your care or from other service providers.

 

How to Read Your Statement/Bill

1. Name of Hospital: facility where services were rendered.
2. Statement Message: this indicates if any action on your part is needed.
3. Patient Name: name of person that received services from the hospital.
4. Account Number: your unique patient account number for the service date seen.
5. Service Date(s): the date you were seen for this visit.
6. Attending Physician: the name of the physician that treated you.
7. Statement Date: the date your billing statement was created.
8. Total Charges: the total amount billed for this date of service.
9. Insurance Payments: the amount the hospital received from your insurance company for this date of service.
10. Patient Payments: the amount the hospital received from the patient or responsible party.
11. Adjustments: the amount that has been discounted based on the hospital’s agreement with your insurance company.
12. Current Account Balance: the amount outstanding on your account for this date of service.
13. Current Patient Balance Due: the amount due from the patient and/or responsible party for this date of service.
14. Insurance Information: the insurance company we have on file for you and who we submitted your hospital bill to.
15. Statement Date: the date your statement/bill was created.
16. Check Box: you would need to check this box if your address and/or insurance information is incorrect on this statement/bill.
17. Addressee: the patient/responsible parties’ name and address the statement/bill was mailed to.
18. Message: a message from Baptist Health System and phone numbers you will need to call regarding any patient balance due.
19. Message: the Spanish translation of the message from Baptist Health System.
20. Payments sent by mail: complete this section if you wish to pay by credit card and submit by mail.
21. Remit to: if you are submitting your payment by mail or need to notify the hospital with corrections to your mailing address or insurance information, this is the hospital address to mail it to.
22. Hospital Summary of Charges: this is the second page of your statement/bill summarizing the charges from the services received.
23. Charge Detail: this is a breakdown of charges and prices that make up your total charges.
24. Total Charges: this is the total amount of your bill for this date of service.
25. Date(s) of Service: this is the date you were seen for this visit.
26. Customer Service: this lists the phone numbers you can call with any questions regarding this statement/bill and any balances due. It also lists the web site you may visit if you wish to pay your bill online.
27. Account Number: This is your account number.
28. Information Changes: complete this section if your address and/or insurance needs to be updated.

Frequently Asked Billing Questions (FAQ’s)

Q: Will Baptist Health System send my hospital bill to my insurance company or will I have to do that? 
A: We will bill any insurance company for which you have indicated, provided the information is complete: address, policy number, group number, etc. We request a signed authorization permitting us to file a claim with your insurance company.  For scheduled procedures, insurance information must be provided prior to service being performed.  

Q: How long will it take to get things settled with the insurance company?
A: Generally, it takes 45 to 60 days to obtain payment from your insurance carrier. We work with them for up to 90 days to resolve your bill. If it is not resolved during that time, the bill becomes your responsibility.

Q: How can I find out whether my insurance has paid my bill or how much they have paid?
A: You should receive an EOB (Explanation of Benefits) from your insurance provider indicating how much has been paid and any remaining balance for which you are responsible. If you do not receive this or have any questions, please contact your insurance provider.

Q: How can I get a copy of my statement/bill?
A: You can call us at 800-443-1039, or e-mail us at WebMaster@bhsala.com.

Q: I received notice that my insurance company has paid part of the bill, but I don’t understand how they calculated the payment amount. Can you help me?
A: For answers to any questions about insurance payments, deductibles or copayments, you should first check with your insurance carrier. If we have received information from your insurance carrier, we will be glad to share it with you.

Q: Why am I getting bills from physicians?
A: The hospital and the physician bill separately. Each physician who provides professional services will send you a separate bill from his or her office. If you have questions about these bills, please call the telephone number on the statement that you receive.

Q: Does Baptist Health System offer payment options?
A: Total payment is expected for the patient’s portion of the medical bill at time of service. We accept cash, checks (including money orders) and credit cards. If these options do not fit your needs, we also have a bank loan program for which you may be eligible. Financial counselors are here for you to discuss financial options based on your needs.

Q: Can I obtain financial assistance to cover my bill? 
A: To discuss options available, contact a financial counselor by facility.

• Citizens Baptist Medical Center 256-761-4500
• Princeton Baptist Medical Center 205-783-3963
• Shelby Baptist Medical Center 205-620-8933
• Walker Baptist Medical Center 205-387-4438

Q: Why must I pay for a copy of my medical record?
A: Releasing health information to other health care providers, patients and authorized users is a basic function of managing health information. We must charge for this service because of the time and expenses associated, including obtaining proper authorization processing and postage costs.


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