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Financial Payments

 

Claims and Billing

The majority of claims and account billing will be processed through our Centralized Billing Office in Fargo, ND. Each patient visit will generate a statement.

  • If you have insurance, effective July 1st for each visit you will receive a Summary Statement of Charges. This is not a bill.
  • Self Pay balances can be combined to one 'family statement' upon request by calling St. Francis Healthcare Campus at 1-888-479-7816.

Physician Services and Fees

Physician services will be billed on a separate account at St. Francis. These include, but are not limited to:

  • ER physician visits
  • Hope Unit psychiatric / psychology visits
  • Pathology reviews

Some physician services are provided in conjunction with other organizations for which you may receive a separate billing from them. These include, but are not limited to:

  • Radiology services for reading x-ray exams
  • Orthopedic services
  • Anesthesia

Billing Questions

If you have questions about your bill (whether you are still in the hospital or have already gone home), please call the Business Office at:

  • 1-888-479-7816 for more information
  • St. Francis Healthcare Campus staff will continue to be available to provide explanation of bills, access your billing status. We can be reached Monday through Friday - 8:00 a.m. to 4:30 p.m. at 218-643-3000.

Payments

PNC Bank in Chicago, Illinois will manage the recording and posting of payments to ensure accurate and secure record keeping, as well as to protect patient privacy.

Insurance

When you are admitted to the hospital, you need to provide information regarding your current health care coverage, i.e., (insurance, Medicare, Medicaid). By supplying your insurance information, you are implying your consent for us to file with your insurance carrier and have your carrier make payments directly to us. As a courtesy service, we will file your insurance claim, but you are ultimately responsible for paying for the services provided. It is our policy at St. Francis to collect co-payments on the date of service.

A representative from the Business Office will contact you if more information is required. This information is requested at each hospital visit. Upon discharge from the hospital, your bill will be filed with the appropriate insurance carrier.

Prior Authorization

Commercial insurance companies may require certification for a hospital admission and periodically during a hospital stay. This is required for each hospital stay. You may wish to call your insurance company and initiate this process. A Business Office representative will be happy to assist you with any insurance questions you may have.

Patients Without Insurance and High Deductibles

If you feel your financial situation is such that it will be difficult or impossible to pay for your health care services, there are programs, which address such situations including the St. Francis Healthcare Campus Uncompensated Care Program. Please discuss these programs with a representative of our Business Office.

Your Bill

You will be charged for a full day of care on the day of your admittance, regardless of the time you are admitted. You will not be charged a room charge for the day you leave the hospital.

The final bill, which is mailed to your home, will show room charges which cover the cost of your room, meals and routine hospital care. Charges will be listed for many other services including radiology, laboratory, pharmacy services, medical supplies and operating rooms.

You may receive separate billings from the physicians who care for you, such as the radiologist, pathologist, surgeon, anesthetist and your admitting physician.

Your hospital charges are payable in full when you receive your bill unless other arrangements have been made. If you feel your financial situation is such that it will be difficult or impossible to pay for your health care services, please call our Business Office at 218-643-0312.

 How to Apply for Financial Assistance

Financial Assistance for Those Unable to Pay the Full Cost of Care

St. Francis Healthcare Campus is a part of Catholic Health Initiatives (CHI), a nonprofit health organization with a longstanding commitment to assist those who seek our care, regardless of ability to pay.

If you are unable to opay for all or part of the care you receive from our hospital, you may be eligible for free or discounted services.  Please read the information below to understand:

  • How eligilibility for financial assistance is determined.
  • How to apply for financial assistance.

This information is a summary of the national CHI policy.  Please click here to read the policy in full.

PLEASE NOTE:  Any patient seeking emergency care will be treated without regard to ability to pay.

How eligibility for financial assistance is determined

To determine  your eligibility for financial assistance, we consider:

1.      The medical necessity of services received.  In short, medically necessary services save your life, make you well, or prevent a medical condition from becoming worse.  There is a detailed definition of medically ncessary services in the CHI policy.

          Medical necessity will be determined by a physician.  In determining medical necessity, we follow all requirements of the federal Emergency Medical Treatment and Active Labor Act and applicable laws and regulations.

2.      Your ability to pay for the services.  We look at income, family size, available resources and expected future income (minus living expenses)  You may qualify for 100% of your car eprovided for free, or a discounted charge under one or both of these criteria:

  • Your family income is low.  Free care may be avalable to patients with family income less than or equal to 130 percent of the Department of Housing and Urban Development (HUD) very low income guidelines for the area; and or
  • You are considered medically indigent.  This means that paying the full cost of your medical care, after any health insurance payment, would cause you to become impoverished.  This could apply if you are uninsured, underinsured, or suffer a catastrophoic illness.

How to apply for financial assistance

When you are registered as a patient, we will ask about your coverage for health care services.  If you don't have coverage or it is not likely to be sufficient, we will either give you a packet of information that covers our financial assistance policy or offer the immediate assistance ofo a financial counselor, who will go over the financial assistance applicant with you.

You will need to complete the Financial Assistance Application form, provide all information it requests, and submit it to us. Please click here.

If it is determined you are eligible for assistance, we will notify you and let you know how much assistance is available.  If it is determined you are not eligible for assistance, we will let you know that in writing and give a brief explanation of the reason.

It's important to note that if  you do not have insurance, you will not be charged more for services than the amount generally billed to those who have insurance.

Questions?

Once again, this is ia summary of the CHI national financial assitance policy.  You can read the full policy by clicking the link above.  

If you have questions about qualifying or applying for financial assistance,  contact meghandohman@catholichealth.net.

 

 

 

 

 



St. Francis Healthcare Campus, 2400 St. Francis Drive, Breckenridge, MN 56520