Health Insurance Billing
As a courtesy to you, ARHS will bill all your insurance providers, provided you submit all the necessary information. You are responsible for any portion of your charges remaining unpaid by your insurance company, this includes non-covered services, co-insurance, co payments and deductibles. If your insurance does not pay within 90 days, you will be billed for the full balance. If you feel that your insurance company should have paid your bill, you should contact your insurance company or our customer service center at (828)262-4111.
It is your responsibility to be aware if your carrier is in or out-of-network with us and if they have any exclusions, benefits, co-insurance, co-payment and deductibles outlined in your plan. According to our policy, you may be requested to pay the full patient responsibility or a deposit representing an estimate of 30% of patient responsibility before leaving the hospital or practice or upon scheduling of services. In order to maintain our mission of providing high-quality healthcare, we ask that all patient accounts be paid in full as quickly as possible.
You may also be responsible for services rendered by other providers. These may include physicians, anesthesiologists, radiologists and pathologists. We will share your billing information with those providers so that they can file with your insurance company directly.
You will need to present your insurance card(s) at the time of service. Your card(s) will be copied to ensure that the correct information is available for insurance processing.
If you do not have current card(s) available or if your visit should be billed to another party, you are responsible for promptly providing this information in order for us to bill your insurance carrier.
Uninsured Hospital Discount
If you are an uninsured acute care hospital patient, you may qualify to receive a 20% discount on your bill. Discounts do not apply to accounts that have been referred to collection as a bad debt account, nor do discounts apply to co-insurance, co-payment or deductibles.
Government and Community Programs for Uninsured
Our Patient Financial Advocates can assist you in determining if you might be eligible for Medicaid, Appalachian Healthcare Project, Purchase of Medical Care, Crime
Victims Compensation, Vocational Rehabilitation, or other community, state or federal programs. These programs provide comprehensive coverage including prevention, primary care, hospitalization, prescription and other services for individuals, families and children. You will need to complete an application and provide supporting documentation to determine if you qualify. If you need a financial assistance application or information on these programs, please contact the Patient Financial Advocate at 828-262-4413.
If you were recently covered by insurance under a group health plan, you may be eligible to pick up those benefits to assist you with your medical bills. Our Patient Financial Advocates can assist you in determining if you might qualify for COBRA benefits.
If services you are requesting are the result of a work related injury, ARHS will bill your employer or your employer’s liability carrier.
If you are covered by an HMO managed care plan, your insurance may restrict where you receive care. If you have services outside of your network, you will be responsible for your charges. Check with your insurance company to ensure your provider is in network.
Medicare requires that all tests have supporting diagnosis to demonstrate the test is medically necessary. If your physician orders a procedure or service that does not support medical necessity, you will be asked to sign an Advanced Beneficiary Notice (ABN). The ABN informs you in advance that Medicare is not likely to pay for the procedure or service, and that you will be responsible for payment. By signing the ABN, you are indicating that you understand and are willing to continue with the procedure. You will then receive a bill for payment of the service provided. You have the option of agreeing to be financially responsible for the procedure by signing the ABN or refusing the tests or services. If you refuse the test or service, you will be asked to sign a form indicating that you have elected not to have the service. If you request the service and will not sign the ABN, you will still be responsible for payment.
Past Due Accounts
Federal and State laws require all hospitals to seek full payment. If your account becomes past due, ARHS will take appropriate action to recover the amount due. If there is a problem with your account, it is your responsibility to contact the Customer Service Center at (828) 262-4111 to discuss a workable solution. If you fail to follow through with your financial responsibilities, ARHS may refer your account to a collection agency.