Bon Secours St. Francis Health System

Central Business Office  |  864-282-4943

Insurance coverage can be confusing. It is important for you to know the terms of your coverage to help you understand what part of your hospital bill your insurance company is responsible for paying and what portion, if any, you are responsible for paying. If you have any questions about your insurance coverage or the amount you are responsible for paying, please contact the Central Business Office.

Your Hospital Bill

St. Francis is responsible for submitting bills to your insurance company, and we will handle our claim diligently and professionally. Your bill will reflect all charges for services you received during your stay. You will receive a separate bill from your physicians for their services provided during your stay. If you have certain tests, consultations or treatments while in or at the hospital, you may receive bills from physicians you did not see in person. These bills are for professional services by these physicians in diagnosing and interpreting test results while you were a patient. Pathologists, radiologists, cardiologists, anesthesiologists and other specialists perform these services and are required to submit separate bills. If you have questions about these bills, please call the number printed on the statement you receive from them.

Direct billing and payment between the hospital and insurance company simplifies financial arrangements for you, but please remember that you remain responsible for your bill. For your convenience, we accept MasterCard, VISA, American Express and Discover. If you do not have hospitalization insurance, or if your insurance coverage is insufficient, a pre-admission cash deposit is required.

Insurance

On the date of your procedure/test, please present your insurance card(s) to the registration representative so we can ensure that we have the correct information on file. You will be asked to sign a form stating that you agree to assign benefits from the insurance company directly to the hospital.

• IF YOU ARE A MEMBER OF AN HMO or PPO...
  Your plan may have special requirements, such as a referral from your primary care physician, second surgical opinion or pre-certification for certain tests or procedures. While the hospital will make every effort to verify this information before your test/procedure, and inform you of any requirements, 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 you receive in the hospital. It’s also important to note that some physician specialists may not participate in your health care plan and their services may not be covered.
  

• IF YOU ARE COVERED BY MEDICARE or MEDICAID...
  On the date of your procedure/test, please present your Medicare Card and/or monthly Medicaid Authorization Letter to the registration representative so we can make sure we have the correct information on file. You should be aware that the Medicare program excludes payment for certain items and services. Deductibles and co-payments are the patient’s responsibility. Medicaid also has payment limitations on several services and items.

• The Mission of Bon Secours St. Francis Health System is to provide compassionate, quality healthcare services to those in need, regardless of their ability to pay. If you do not have health insurance, we can help. You may qualify for financial assistance through a government-sponsored program or through the Bon Secours Financial Assistance Program.

Financial Assistance