Insurance coverage is complicated, and payment of your hospital bill need not be a source of worry for you during your recovery.
Our Patient Account staff will gladly answer your questions. Here are some of our Hospital billing frequently asked questions and answers.
FAQ’s for Billing & Insurance
You sure can! Click here to access our Online BIll Pay website
- Why should I pay my bill online versus paying by check via the mail?
- SECURITY: Online bill pay is ten times safer than mailing checks. According to research, 90% of identity theft does NOT occur through the Internet. Identity thieves still use the tried and true methods of stealing mail or discarded trash. For additional security, online bill pay requires 128-bit encryption and personalized log-in verification.
- EASE: Our online bill pay is simple to understand and fast to complete.
- TIME: Pay your bill in a few minutes with instant reassurance and confirmation that “it went through”.
- ENVIRONMENTALLY FRIENDLY: Less paper. Research gathered by the Aite Group. Research gathered by Javelin Strategy & Research.
- Who can I call with questions about my account balance? Charges on my bill? Making arrangements for payment? Change in my account information?
- Contact a Hutchinson Health Patient Financial Advocate Monday-Friday, during the hours of 8:00 a.m. – 4:30 p.m., at 320-484-4493 or 800-454-3903.
- Is the Online Bill Pay web site safe for credit card transactions?
- Yes, it is. We incorporate: Secure Socket Layer (SSL) certificate Encrypted data behind a secure firewall Payment Card Industry (PCI) compliance Secure merchant account gateway Tier 4 data center
- What are my payment options?
- Online payment may be possible by credit/debit card or ACH
- When will my payment be posted to my account?
- Your payment will be posted within three to five business days of the transaction.
- Can I view my account balance online?
- No. For your security, account information and personal transaction information is not stored on this web site. If you have questions about your account, contact a Hutchinson Health Patient Financial Advocate Monday-Friday, during the hours of 8:00 a.m. – 4:30 p.m., at 320-484-4493 or 800-454-3903.
- Is there a fee for making my payment online?
- No. There is no fee for making a payment online. In fact, you save the time and cost of mailing by using this online service.
Routine physicals, such as well-baby checkups, well-child exams, well-woman exams and annual physicals are considered preventive care. They include an age and gender appropriate history and exam. Sometimes a preventive care appointment turns into diagnostic care when a patient raises questions about specific health concerns or a physician discovers health issues that require additional work. Preventive exams are not intended to treat your chronic medical conditions or acute illness.
When you have risk factors or symptoms of a health condition, your doctor may order tests. These tests are classified as “diagnostic care.”
- If your doctor runs additional, non-routine tests, your deductible will apply.
- If you have a chronic disease and your doctor orders certain tests to monitor your condition, your deductible will apply.
- If you require follow-up visits or treatments for a condition found during a preventive exam, your deductible will apply.
If you have a deductible, you will pay for diagnostic care up to the amount of your deductible before your insurance plan benefits start. Your plan may require a copay.
Know your policy
The more you know about your specific insurance policy, the less likely you will be surprised by charges and out-of-pocket expenses.
Read your policy
Preventive care is typically covered 100%. Diagnostic care is not. Call your insurance company before a test to learn what your policy covers.
“Welcome to Medicare” Physical Exam
- Medicare’s Initial Preventive Physical Examination
- (IPPE), also known as the “Welcome to Medicare”
- Physical Exam, is a one-time exam paid for by Part B coverage. The IPPE is a review of your health along with detailed counseling of preventive services. The exam is a great tool for staying up-to-date on important screenings and immunizations you may need. Medicare will pay for this exam if you have it within 12 months of enrollment.
“Annual Wellness” Visit
- Medicare’s Annual Wellness Visit is a conversation between you and your provider to develop a personalized prevention plan. If you are new to Medicare, you must wait 12 months after your “Welcome to Medicare” physical before you can schedule the annual wellness visit.
- If your provider treats an existing condition or one that is identified during your Annual Wellness Visit, you will be responsible for the charges.
For more information on Medicare’s preventive services, visit www.CMS.gov.
We offer the following payment options:
Cash, check or money order
Make check or money order payable to Hutchinson Community Hospital, and include your account number. Mail the payment to: Hutchinson Area Health Care Attn: Cashier 1095 Highway 15 S Hutchinson, MN 55350.
We accept MasterCard, Visa or Discover. Credit card information can be mailed on your billing statement or provided by calling (320) 234-5000 or (800) 454-3903 (Monday through Friday, 8 am to 4:30 pm) and follow the automated prompts to reach a Patient Account Representative. If you cannot pay your account in full within 30 days please call (320) 234-5000 or (800) 454-3903 (Monday through Friday from 8 am to 4:30 pm) and follow the automated prompts to reach a Patient Account Representative. This individual will you assist you in setting up payment arrangements and can also tell you about our financial assistance programs (see information below).
Charity Care Program
The Charity Care Program was established to assist patients whose annual household incomes are at or below 200 percent of the Federal Poverty Level. The application is brief and asks for information on family size, employment, income, assets and insurance. If patients meet the guidelines, their services will be provided at no charge. An eligible individual will be covered by the program for up to one year barring any significant change in income. The Charity Care Program applies to medically necessary services provided at Hutchinson Health. Patients must apply for Medicaid before they can qualify for the Charity Care Program. The Charity Care Program eligibility is based on annual income, insurance, family size, and liquid assets. This program requires the completion of an application. English and Spanish versions are provided below.
- Billing & Collection Policy (pdf)
- Billing & Collection Policy (Spanish) (pdf)
- Charity Care Application and Instructions Form (pdf) 4246
- Charity Care Application and Instructions – Spanish Form (pdf) 4247
- Financial Assistance Policy (FAP) (pdf)
- Financial Assistance Policy (FAP) (Spanish) (pdf)
- Financial Assistance Policy (FAP) – Plain Language Summary (pdf)
- Financial Assistance Policy (FAP) – Plain Language Summary (Spanish) (pdf)
Uninsured Discount Program
Those who do not qualify for the Charity Care Program may qualify for the Uninsured Discount Program. This program is available to uninsured patients, and insured patients who receive uninsured treatment, for medically necessary services at Hutchinson Health. The discount is automatically applied to the eligible services on the billing statement.
Special Circumstances (on individual case-by-case basis)
Hutchinson Health will provide an evaluation of patients with Special Circumstances. There may be a circumstance where patients experience a catastrophic event that puts them in a devastating financial position whereby Hutchinson Health will determine how best to support them financially.
If you have questions, do not hesitate to ask.
Call (320) 234- 5000, press 2, and follow the automated prompts to speak with a Patient Account representative. If you anticipate a problem paying your bill by the day it’s due, please let us know. We will be glad to discuss payment options with you.