Patients With Health Insurance

Mount Carmel accepts Medicare, Medicaid, managed care, commercial and work-related insurance plans.

Insurance

You are expected to pay co-payments required by your health insurance plan at the time of service.

Mount Carmel will bill your primary insurance company for you. If you have secondary insurance coverage, Mount Carmel will bill that company after your primary insurance benefits are processed.

As a patient, you assume responsibility for paying any charges that your insurance company denies or does not pay.

If you have questions about your co-payment requirement or about other benefits, call your insurance company directly.

Medicare

Medicare will only pay for services that it considers to be medically necessary. Prior to receiving services, you may be asked to sign an Advanced Beneficiary Notice if we believe that Medicare may not consider the service you're considering to be medically necessary.

You are expected to pay for all services that Medicare does not consider to be medically necessary and any other services Medicare excludes for any other reason.

Check your Medicare handbook for a list of services excluded by Medicare, or visit the Medicare website at www.medicare.gov.

Work-Related Injuries

State law requires employers to provide employees with insurance coverage for work-related injuries.

You will need to obtain a claim number from your employer. Mount Carmel must include this number on the bill that is sent to the insurance company.

If you do not have a claim number from your employer, you are responsible for the entire cost of the services you receive.

Patients Without Health Insurance

Patients who wish to schedule elective medical and/or maternity services are required to pay a deposit and to make arrangements for payment of the balance of charges prior to receiving such services.

Deposits for these services are:

• Inpatient Deposit: $1,000
• Outpatient/Emergency Department Deposit: $450

A patient financial representative will contact you to arrange payment of your bill. If a balance remains after services are provided, a bill for the amount due will be mailed to you.

Other Bills For Your Treatment

Your bill from Mount Carmel is only for hospital services. Depending upon the services you received, you may be billed by your personal physician, other physicians who were involved in your care, and/or physicians who administered/interpreted your test results, and/or provided emergency care, radiology, pathology and/or anesthesiology services.

If you have questions about any bill you receive other than a bill from Mount Carmel, call the office that sent the bill directly.

Payment Options

You may pay for services online at mountcarmelhealth.com via credit card or by calling Patient Financial Services and paying by personal check, credit card or cash.

Financial counselors are available for consultation while you are a patient at Mount Carmel East, West, St. Ann's or New Albany Surgical Hospital to help you resolve your hospital bill.

After discharge, or if you received outpatient or emergency services, counselors are available by phone from our Patient Financial Services Department.