MedCentral’s Collection & Billing Policies
We work closely with your insurance provider regarding the financial coverage for your hospital stay. In some circumstances, your insurance may set limits on the amount of time that you can be hospitalized for your particular illness or injury. In others, your insurance company may only pay a portion of your hospital bill.
Our mission is to meet the medical needs of those we serve. This mission requires that MedCentral maintain a strong financial position.
As a result, we have established a policy of communicating financial expectations to our patients. We will also provide information on payment and charity care options.
Our employees respect a patient’s financial status and hold such information in the utmost confidence. With the exception of “lifestyle” procedures, no clinical services will be denied for an inability or unwillingness to pay.
Contact billing Information Services at 419-526-8428 for more information regarding your bill.
Call Patient Financial Counseling at 419-526-8464 for payment assistance.
MedCentral’s Billing and Credit Policies
Third Party Insurance
- MedCentral will bill Medicare and Medicaid.
- MedCentral will bill third party commercial payers on behalf of the patient. We give the insurance company 45 days to submit payment before contacting patients about an unpaid insurance balance. If there is no resolution the account will become the patient’s liability and the patient will be billed.
- MedCentral will not bill third party auto insurance if there is medical coverage available.
- MedCentral will not wait for a third party liability carrier or sued individual to pay a claim before enforcing our right to payment. MedCentral will not accept a letter of protection from an attorney involved in a lawsuit to recover third-party damages.
- MedCentral will honor discounts only with contracted insurance carriers.
Uninsured, Unresolved and Self-Pay Balances
- Emergent, Urgent, and Labor and Delivery services covered under EMTALA (Emergency Medical Treatment and Active Labor Act) are not subject to prior payment.
- Known Deductibles, Co-pay, and Coinsurance amounts are due at the time of service.
- Non-covered, self-insured, uninsured and “life style” services are payable at the time of service. (Life style procedures are defined as medically unnecessary procedures such as non-restorative cosmetic surgery.)
- Patient balances that cannot be paid prior to service and balances after insurance payment or denial must be resolved in one of the following methods:
- Payment in full from personal funds
- Bank Loan Program underwritten by MedCentral
- Limited term time payments (Limited to 6 months)
- Uncompensated or Charity Care approvals
- Patient balances not resolved in one of the methods above will be billed on a prescribed timetable over a 120-day period. During each of those billing encounters, and calls from a financial counselor will include information about the above payment options as well as our uncompensated care program.
- If the account has not had a satisfactory resolution within 120 days the claim may be submitted to an outside agency for professional collection assistance.