Can I pay my bill online?
Yes! You can view and pay bills online or by phone or mail.
What materials will I need to pay my bill online?
You will need to have a copy of your bill. If you don’t have a copy, you’ll need your account number and date of service.I feel the charges on my statement are incorrect – who should I talk to about this?
Contact our customer care team to address any billing issues.Do you have any privacy policies when making online payments?
We create a record of your care and services to meet legal requirements and to provide you the best care. This notice applies to your medical record that we maintain for services or items we provide you at our locations. Your personal doctor may follow a different notice for your medical record created and maintained in his or her office. We are required by law:- To keep medical information about you private.
- To give you this notice, explaining our legal duties to protect your privacy.
- To follow the terms of the notice that is currently in effect.
- To notify you if we fail to protect your privacy.
You can view our full privacy policy here.
If my insurance information needs updating, who do I contact?
Our customer care team will be happy to assist you in updating personal and insurance information.I received something called an Explanation of Benefits with my bill. What is this?
Your insurance company will send a statement – called an explanation of benefits (EOB) that explains which services they paid for. In that EOB, there will be an indication of what charges you will be responsible for.How much will my procedure or hospital stay cost?
We understand that it is important to know how much you will be responsible for paying for your medical care. Because each patient and situation is unique, the cost of care is not always the same.- Some variables that can affect the cost include:
- How long you stay in the hospital
- How many and what type of supplies are used
- How much and what type of medication is given
- How often lab work is needed and what type of tests are performed
- How many radiology exams are needed and what type
- What type of anesthesia is used
- Any changes to the original care plan
How do I estimate the amount that I will be required to pay?
Unfortunately, understanding what you will have to pay for health care services is very complicated. Unlike most bills you receive, it is very difficult for you to determine exactly what you will have to pay for an item or service. It is even hard for your hospital to estimate prior to your care what you may be billed as every patient’s care is different and determined after you are admitted. To further complicate matters, we are most often not aware of the agreement you have with your insurer. This agreement of coverage defines your personal out-of-pocket responsibility.
The amount of money you will be responsible for personally is generally determined by your insurance coverage or managed care company, not by the hospital. These amounts are determined directly by your contract with your insurer.
Also, all doctors, hospitals or services may not be covered by your plan. Unfortunately, we do not have this information available to us before you receive care from our hospital. The best source of information about what you will have to pay will come from your insurance company as they are already aware of what services are covered and who they will pay to deliver the care, and the amount they will hold you responsible for.
Can I get a price estimate?
Yes. Bon Secours provides out of pocket cost estimates as a service to our patients. We will give you a range of what the costs usually are for your condition or procedure. Please keep in mind that these are estimates, and that exact costs often vary.Your estimate will include everything involved in your care during your stay, with the exception of doctor fees.
Doctors who take care of you during your stay will send you separate bills. Examples of types of doctors who send separate bills could include:
- The doctor who admitted you to the hospital
- Your surgeon
- Any hospitalist or specialist physicians who may have been consulted for your care, and others
These physician fees are not part of the estimate you receive from Bon Secours and will be additional charges.
A list of hospital charges for our procedures, supplies and medications is available online on the hospitals location page.
If your doctor orders services such as radiology testing, lab testing, physical therapy or any service that may require a specifically trained individuals who are not employed or owned by our hospital to perform, feel free to ask our staff for assistance in determining what if will cost.
What about Medicare and Medicaid?
Medicare and Medicaid pay hospitals according to a set fee schedule. It represents a discount from a hospital’s billed charges. Numerous factors, such as co- insurance and deductibles affect your own financial responsibility. A summary of Medicare patient payment requirements is provided at Medicare.gov.
The average total covered charges for each hospital by Medicare Severity Diagnosis Related Group (MS-DRG) for Medicare fee-for-service beneficiaries can also be found at the Centers for Medicare and Medicaid Services.
Do you offer financial assistance?
Bon Secours has a Financial Assistance Program which helps our uninsured patients who do not qualify for government sponsored health insurance and cannot afford to pay for their medical care. Insured patients may also qualify for assistance, based on family income, family size, and medical needs. More information about our Financial Assistance Program, Financial Assistance Policy, and Financial Assistance Application can be found at www.fa.bonsecours.com
What if I am uninsured?
Bon Secours Health System responds to our community's health needs by providing the highest quality of care. At the same time, we recognize that the cost of health care can be a significant, unexpected expense for our patients. Bon Secours will not charge patients a greater amount than the average allowed amounts from Medicare and commercial payers for emergency and other medically necessary care.
How do I get the discount if I am uninsured?
The uninsured discount is automatically discounted at the time of billing. When the balance is billed, your statement will show that the adjustment has been applied.
Who can I talk to about questions or problems with my bill?
Bon Secours has a qualified staff of nurse auditors to monitor and assure accuracy of our hospital bills. In addition, insurance companies and health maintenance organizations (HMOs) routinely perform reviews of our hospital claims. With these and other processes that are in place, we are confident that we provide the highest degree of accuracy.
If you have questions about your bill or believe that it is incorrect, please contact our customer service centers.
- Hospital Billing Customer Service: 877-342-1500
- Virginia Physician Billing Customer Service: 888-835-9905
- South Carolina Physician Billing Customer Service: 888-538-3832
Will my insurance plan pay for my treatment?
Patients need to verify that their insurance plan is honored at the facility where they are seeking services. Even though Bon Secours participates in your insurance plan, this does not guarantee all services will be covered. HMOs and PPOs often require a referral or certification prior to admission or outpatient services. Without a proper referral or certification, the hospital claim could be denied by your insurance which could result in you being responsible for services. Contact your specific insurance carrier to verify whether your treatment will be covered.
Why did I receive more than one bill?
Patients who receive services from a Bon Secours Facility may also receive services from one of our extended business partners such as radiology, anesthesia, and laboratory just to name a few. Depending on services received, patients may receive a bill from Bon Secours and a separate bill from one of our extended business partners.
Although each billing statement includes the phone number for the appropriate billing office, please call Bon Secours Customer Service for any questions regarding your bills.
Why did my insurance only pay part of my bill?
Most insurance plans require you to pay a deductible and/or coinsurance. In addition, you could be responsible for services not covered by your policy. Please contact your insurance company for specific answers to your questions. You should receive an Explanation of Benefits (EOB) from your insurance company indicating how much the insurance company paid and how much you owe for out-of-pocket expenses.
What does "copayment" mean?
A copayment is a predetermined fee the member pays to providers at the time of service. Copayments are applied to emergency room visits, hospital admissions, office visits, etc.
What does "deductible" mean?
The deductible is a provision in many insurance policies that requires the insured to incur a specific amount of medical costs before insurance benefits are provided. For example, if a member’s policy contains a $500 deductible, the member must accumulate and pay $500 out of pocket before the insurance carrier will begin to pay benefits. Once the patient has met the deductible, the carrier usually pays a percentage of the bill.
What does "coinsurance" mean?
Coinsurance is a form of cost sharing. After your deductible has been met, your insurance plan will begin paying a percentage of your medical bills. The remaining amount, known as coinsurance, is the portion due from the patient.
How can I get a copy of my itemized bill?
Please call our customer service centers to request an itemized bill.
- Hospital Billing Customer Service: 877-342-1500
- Virginia Physician Billing Customer Service: 888-835-9905
- South Carolina Physician Billing Customer Service: 888-538-3832
What are my payment options?
Bon Secours accepts VISA, MasterCard, American Express, Discover and electronic check payments by phone. You can also take advantage of online payment via MyChart.
For questions regarding Bon Secours Billing and Collections and Financial Assistance Policies please visit www.fa.bonsecours.com.