Financial Assistance FAQs
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.
What are my payment options?
Who can I talk to about questions or problems with my bill?
If you have questions about your bill or believe that it is incorrect, please contact Customer Service Monday-Friday 9:00am - 1:00pm and 2:00pm - 5:00pm at 877-342-1500. 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.
How can I get a copy of my itemized bill?
Please call the Customer Service Center at 877-342-1500 and select option 4. An itemized bill will be mailed to the address listed on your account. Patients may also print an itemized bill from MyChart.
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.
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.
What insurance information should I bring when I visit the hospital or outpatient center?
Please bring your insurance card to your visit. If you have any secondary insurance information, it is important to provide this information as well at time of registration. Also, please be sure to bring a picture ID.
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.