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WORKING FOR YOU to provide the tools and resources to understand insurance coverage and manage medical expenses in a caring, honest, and confidential manner because your financial well-being is important.
Our Patient Financial Services team is working for you to provide the resources you need to understand insurance coverage and manage medical expenses in a caring, honest, and confidential manner. Our goal is to assist you with billing questions and payment options and to eliminate any surprises after you receive our services. We take a proactive approach to costs by providing an estimate and/or payment options prior to your service or at the time of service.
We encourage you to establish your payment arrangements prior to your visit. However, we understand emergencies happen, and we will work with you to create a plan that works best for you and your family during those times.
We would like to allow you as much time as possible to pay your bill and recommend that you promptly set up a payment plan with SRMC as this will allow for smaller payments over a longer period of time.
An understanding of your insurance coverage is necessary when preparing for your upcoming procedure or visit to fully understand the financial aspect of your care.
We accept cash, check, and all major credit/debit cards.
To set up a recurring auto-pay plan, contact one of our Patient Account Specialists at 308-254-8778 or e-mail [email protected].
We understand that medical expenses are often unexpected; therefore, Financial Assistance is available for patients who meet eligibility criteria. Financial Assistance is secondary to all other financial resources available to the patient. Click this link for more information.
If you are interested in applying for Financial Assistance, please fill out this application at your earliest convenience. For help or any questions, please contact our Patient Financial Specialists at 308-254-8778.
Prefer paper? Print and fill out this Financial Assistance Application.
At the time of services
8
Within 30 days of service date
7
Within 60 days of service date
6
Upon receipt of 1st statement
5
Upon receipt of 2nd statement
4
Upon receipt of 3rd statement
3
1st collection letter
2
2nd collection letter
1
Apply here for SRMC Care Solutions
Contact us to apply.
We understand that medical expenses are often unexpected. Charity Care (Financial Assistance) is available for patients who meet eligibility criteria. Financial Assistance is secondary to all other financial resources available to the patient. Contact a Patient Account Specialist for more details at 308-254-8778 or click one of the options below for more information.
How to Apply –
Pick up an application in person at 645 Osage Street, Sidney, NE 69162
The Patient Financial Services department can provide assistance with the application process by being contacted at the above physical address or phone number.
We understand that paying medical expenses can be overwhelming and confusing. That is why Sidney Regional Medical Center is committed to making this experience a positive one.
We are here to provide you with the information you need to understand insurance coverage and manage medical expenses. In order to prepare for your upcoming visit, it is necessary to understand your insurance coverage to fully understand the financial aspect of your care.
In-network refers to providers or health care facilities that are part of a health plan’s network. This means the provider/health care facility has a contract with that insurance company and has negotiated rates for services and providers fees.
If SRMC is not in-network with the patient’s health plan, the patient may receive a bill for the services received. It is always best to call the insurance prior to receiving services in order to verify if SRMC and the provider are in-network. Below is a list of in-network insurance companies with SRMC:
*SRMC does not accept out-of-state Medicaid*
The percentage set by your insurance company that you pay for services rendered beyond the annual deductible amount.
The amount specified by your insurance company to be paid for each office visit with a provider. Some plans also have copays for other services, such as Physical Therapy and Emergency Room visits. Your copay amount may be listed on your insurance card.
The discount that is given on services based on the contract SRMC has with your insurance company. Contractual adjustments do not apply in all cases.
The annual amount set by your insurance company that you must pay before insurance will pay for services and before coinsurance will be applied to your services.
The paperwork you will receive from your insurance company showing what they paid and what they have determined is your responsibility to pay based on your coverage. This amount should match the statement you receive from Sidney Regional Medical Center. Typically, a patient will receive multiple EOBs for one service as insurance pays the facility charges (supplies, room, medications, labs, radiology tests, etc.) separately from the fees charged by the physicians or other providers.
This is the most you will pay during a policy period (typically one year) before your insurance will pay 100% for covered services. This amount generally consists of the full amount you have paid for deductibles, coinsurance, and copayments.
The amount you pay your insurance company to obtain coverage. It is typically paid monthly or per paycheck. If your employer provides insurance, this amount often comes directly out of your paycheck. If a premium is not paid, insurance coverage lapses and is no longer valid after the grace period.
A. If you have insurance and have provided a current insurance card, our first step will be to bill your insurance company. After the insurance company has processed the claim(s), you will receive a bill with any unpaid portion that is due. This process usually takes an average of 30-60 days. If you have a secondary insurance or have multiple claims on one account, this process can take longer.
A. Insurance companies requesting additional information from SRMC or from the patient in regard to your services could delay your bill. Please read all the communication you receive from your insurance company. If you fail to meet their request for information, you could end up paying for services that your insurance company should be paying.
A. Yes, if you do not have insurance or a third-party payer or you had a service that your insurance does not cover, you could be eligible for a discount if you pay in full within 45 days from the date of service. The discount will be applied to your account upon receipt of payment in full.
A. This is the amount that your insurance company left due to the guarantor. Typically, this amount is for copays, deductibles, coinsurance, or for a service the insurance company does not cover under your policy. You should have received an EOB from your insurance company that matches what SRMC has billed you.
A. If you have any concerns regarding your bill, please call our Patient Financial Specialists at 308-254-8778. We would be delighted to answer any questions you might have about your bill.
A. Unfortunately, Medicare does not cover oral or what Medicare considers self-administered medications given in an outpatient setting at the hospital. An outpatient setting at Sidney Regional Medical Center would include 1) a visit to the ER, 2) being admitted for observation, or 3) outpatient surgeries.
A. The minimum payment will be different for each account and is based upon the total amount of your outstanding balance.
A. By agreeing to an interest-free, no fee, no penalty, payment plan, we keep your account internally and keep it from aging out to an outside source, who would charge interest. If you are unable to pay your balance, SRMC has payment options available.
A. Yes. We offer financial assistance for those who qualify. Qualification is based upon federal poverty guidelines, equity and assets of the patient, along with other criteria. Complete an application here.
A. Statements are generated per guarantor. The guarantor is the person who signed the consent form at the time of admissions. Since this person signed for services, they are responsible for any payment that is due.
A. We can combine visits with balance due when payment plans are established or when you request to add a new service to a payment plan. Contact SRMC Patient Financial Services at 308-254-8778 on Monday–Thursday 8am-5pm and Friday 8am – 4pm.
A. E-mail or call us.
A. The Nebraska Hospital Association pricing guide and the Third Party Hospital Pricing Guides are used to compare pricing with other facilities in our region. Prices are also determined by reviewing what insurance companies will allow for services.
A. Charges are based on the type and level of service received. Physicians document details of the service provided, and charges are based on that documentation.
A. At a wellness/annual visit, the insurance company pays for the provider to assess the patient’s health and for certain screenings for any undiagnosed issues. If the patient discusses any prior or current ailments, the visit may no longer be considered a physical. It will then be coded and billed as an office visit and any applicable co-pays, deductibles, or co-insurance will be due from the guarantor. If the patient has other ailments needing to be discussed or the patient becomes ill prior to this physical, a separate visit will be necessary. If you have further questions, please contact us at 308-254-8778.
A. SRMC uses two collection agencies. Patients could have accounts at one or both places: Panhandle Collections at 308-632-5210 and Credit Management Services at 308-382-3000.
A. No one is turned away from SRMC when they are in need of emergent/emergency care because of an inability to pay. Contact our Patient Financial Services who will work with you to develop a payment plan, help you apply for financial assistance and, if you qualify, arrange for free or reduced responsibility care.
A. We have a team of account specialists who are willing to help and assist you with your questions regarding insurance, billing, and available payment plans.
The billing process begins the day services are received. Generally, within 4-8 weeks after the visit, patients should receive an explanation of benefits (EOB) from their insurance company. Shortly thereafter, patients will receive a statement from SRMC. Patients should compare the EOB to the “Patient Responsibility Due” portion of the SRMC account statement. The balance owed according to the EOB and the balance owed according to the SRMC statement should be the same.
SRMC will send a statement showing the patient amount due if insurance either doesn’t pay for the service or leaves a remaining balance that becomes the patient’s responsibility. Here is a step-by-step look at the billing process:
*Steps 6-8 often require more time due to the potential for various factors that may cause delays in SRMC billing your insurance or your insurance company processing your claim.
For multiple claims on one visit, SRMC is required to bill professional fees and facility fees separately. Facility fees are for the service or procedure being provided, and professional fees are for the doctors, physician assistants/nurse practitioners, and anesthesiologists. Consequently, there might be a delay in receiving your statement(s) as we need to process multiple claims.
Multiple insurance coverages may cause a delay as all claims must be processed by both the primary and secondary payer before we can send out your first statement.
Coordination of Benefits allows plans that provide health or prescription coverage for a person with Medicare to determine payment responsibilities.
If so, we need your help to make certain your insurance company pays for your services.
In order to confirm payment by the insurance company and to prevent claim denials made in error, it’s important that the guarantor and/or patient contacts the insurance company to update their COB. This update is typically required by the insurer on an annual basis in case there have been any significant changes to the guarantor and/or patient’s family (marriage, divorce, new child, the addition of stepchildren, etc.).
Refer to the back of the insurance card to find their customer service contact information, and contact them to coordinate benefits.
There are certain drugs that Medicare designates as “self-administered drugs.” This does not mean that you actually took the medication on your own while you were in the hospital, but it is a medication that Medicare considers the patient could take on their own outside of a hospital outpatient setting.
If a patient received self-administered drugs not covered by Medicare Part B while they were receiving our ER or outpatient services, the patient would be responsible to pay for these drugs. These drugs may be covered for anyone enrolled in a Medicare drug plan (Part D). The patient is responsible to pay for the drug and can then submit to Medicare Part D for reimbursement. If a bill is received, follow the directions in the Medicare drug plan’s enrollment materials on submitting an out-of-network claim.
Non-covered services are services that are not covered by your insurance plan and become your responsibility to pay. For questions regarding coverage, contact your insurance company to discuss coverage limits or to find out what is and is not covered.
VA authorization is required for hospital visits prior to or within 72 hours of the visit. Contact 888.795.0773 to speak with a VA representative. SRMC is not able to obtain authorization on the patient’s behalf. SRMC will bill your primary insurance for service until a VA authorization is approved.
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