Financial and Insurance Information
Your hospital bill reflects charges incurred during your stay, although it may not be complete when you are discharged. Your bill covers the following:
- The basic daily rate, which includes your room, meals, nursing care, etc.
- Charges for special services, which include items your physician orders for you, such as x-rays or laboratory tests.
You will receive a separate bill for professional services from each physician involved in your care, which may include a radiologist, anesthesiologist, pathologist, emergency room physician, personal physician and any physician asked by your personal physician to consult on your care. If you have questions about these bills, please call the number printed on the statements you receive from these physicians.
The hospital is responsible for submitting bills to your insurance company and will do everything possible to expedite your claim. Please remember that you are responsible for payment of your hospital bill. That includes deductibles or co-pays that are due at the time of service.
(See the payment methods below to learn more about billing services and payment expectations.)
If You Have Health Insurance
Before undergoing medical procedures or being hospitalized, familiarize yourself with the terms of your insurance coverage. You will be responsible for co-payments, deductibles and other non-covered services that insurance does not pay. Payment is requested during registration. Please be prepared to provide a copy of your health insurance card prior to services. You may also need to provide insurance forms supplied by your employer or insurance company.
For most insurance plans, we will verify your insurance coverage and bill your insurance company on your behalf. You will be responsible for paying any amount of your bill that your insurance company does not pay. If you make an overpayment, we will refund the amount after we receive all payments from your insurance company.
If You Are a Member of an HMO or PPO
Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) sometimes have special requirements, such as pre-certification for certain procedures or second opinions before a surgical procedure is approved. You are responsible for ensuring that all the requirements of your health insurance plan are met. If the requirements of your plan are not met, you may be responsible for payment of all or part of the services rendered by the hospital.
If we accept insurance assignment, we will bill your insurance company on your behalf. We will also verify coverage with your insurance company either before or during your hospital stay. We will request additional payments from you for any amounts of your bill that your insurance company does not pay. If you make an overpayment, we will refund the amount after settlement with your insurance company.
If You Are Covered by Medicare
Familiarize yourself with your Medicare benefits before a medical procedure or hospitalization. Medicare may pay all or a portion of your hospital charges, but understand that non-covered fees are your responsibility. Be aware that Medicare specifically excludes payment for certain services, such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations and others. Prior to services, please provide a copy of your Medicare card.
You must complete and sign any appropriate forms, including the Medicare questionnaire, noting your Medicare recipient number. Medicare deductible amounts for inpatients are due at the time of discharge, unless you have a Medicare supplemental policy. Outpatients are expected to pay their co-insurance and deductibles at the time of registration.
We will verify your Medicare eligibility and process your claim. If you have a Medicare supplemental insurance policy or second insurance, we will bill them for you as well.
If You Are Covered by Medicaid
Familiarize yourself with your Medicaid benefits before a medical procedure or hospitalization, and understand that non-covered fees are your responsibility and due at registration or upon discharge from the hospital. Medicaid may pay for all of your charges except for personal convenience items, depending on the type of coverage, but be aware that Medicaid has payment limitations on a number of services. Prior to services, please provide a copy of your Medicaid card.
We will verify your Medicaid eligibility and process your claim. We can also help you apply for Medicaid during your hospitalization.
If You Have No Insurance
Patients without medical insurance coverage will be asked to prepay an estimated bill or make other payment arrangements in advance, based on services you are expected to receive and the estimated length of the hospital stay. Any unpaid balance will be due at the time of discharge. If you are unable to pay your balance immediately, you must contact our Patient Financial Services representatives to discuss payment options, including possible payment assistance.
We can often make financial arrangements for patients who do not have insurance. A Patient Financial Services representative will assist you in making payment arrangements. If you need assistance applying for Medicaid or the Exchange, we will refer you to the appropriate department.
Gibson General Hospital is committed to providing quality care to all patients in need. We have several payment options available to assist you in paying your bill. Please let our staff know if you have special financial needs.
Questions About Your Bill?
Patient billing representatives can assist you with questions about your hospital bill and help interpret financial policies and billing procedures. Patient Accounts can be reached at 812-385-9201
. The department is open Monday-Friday from 8 AM to 4:30 PM.