Hospital Bills and Insurance
Pre-Admission and Financial Information
Patients will need a copy of their insurance identification card and a photo ID upon checking into the hospital. The Patient Access Department will contact the insurance company to verify insurance member eligibility and benefit coverage. Patient Access will also verify if insurance companies require authorization and/or pre-certification for both inpatient or outpatient hospitalization.
No patient will ever be turned away because of an inability to pay.
If You are a Member of an HMO or PPO
Your health plan may have special requirements such as pre-certification or authorization for certain tests and procedures. It is your responsibility to make sure the requirements of your health plan have been met. If your plan’s requirements are not followed, you may be financially responsible for all or part of the services rendered.
If You are Covered by Medi-Cal or Medicare
You will need to present a copy of your insurance identification card and photo ID. The Patient Access Department will verify member eligibility prior to the patient being hospitalized or receiving outpatient services. Medicare deductibles and co-payments are the responsibility of each patient, and are due at the time of service.
For patients without insurance coverage, a Financial Counselor is available to assist in making the necessary financial arrangements related to the patient’s hospital stay. During this process, eligibility for financial assistance may be determined.
Daily charges for rooms include the cost of personnel, equipment, meals, and supplies essential to patient care. Rates for special care units are higher than standard room charges.
Beyond standard room charges, patient bills may include fees for:
- Laboratory tests
- Respiratory services
- Physical and occupational therapy
- Other special services, supplies and equipment
Operating room charges are billed according to time plus supplies, equipment and medications used.
Your Physician’s Bills
Attending physicians may ask other doctors to consult on patient care. These other doctors include anesthesiologists, pathologists, radiologists, surgeons, cardiologists and other specialists.
Federal laws and regulations prohibit St. Vincent Medical Center from including any physician fees in hospital charges. The patient will receive one bill from the hospital and separate bill(s) from the physician(s) who provided services while the patient was in the hospital. If the patient has any questions or needs assistance regarding these physician billings, a telephone number is listed on the bill.
Health Insurance Assistance
Resources for the Uninsured
The Foundation for Health Coverage Education (FHCE) is a non-profit organization with a mission to simplify public and private health insurance eligibility information. The Foundation began in 2004 with a vision to help those who are uninsured enroll in a health coverage plan.
FHCE offers a unique tool and call center to help you find health coverage. Answer five simple questions and you will receive a customized profile with information on health plans that fit your needs, in addition to a reference list with phone numbers, websites and other resources. Click here or call the US Uninsured Help Line at (800) 234-1317.
Government Program Resources for the Uninsured
- FHCE California Tools & Resources
- Finding Healthcare Coverage in California Booklet: English | Spanish
- Guide to Finding Health Insurance Coverage: English
- CA Healthcare Options Matrix: English | Spanish
- Medi-Cal Application: English | Spanish
See also: Financial Assistance
If You Have Health Insurance
It is a good idea to know the terms of your insurance coverage before you are admitted to the medical center. Most insurance companies require that non-emergency patients receive pre-authorization for medical services. Your doctor will either schedule an appointment at St. Vincent Medical Center for your procedure, or will provide you with Physician’s Orders so that you can schedule an appointment yourself. If your doctor makes the appointment for you, please confirm the date and time with his or her office.
When you pre-register, please have a copy of your insurance identification card. We may also need the insurance forms supplied by your employer or insurance company. You will be asked to assign benefits from the insurance company directly to the medical center.
- On the date of service, please bring your insurance identification card and a valid picture ID.
- After the insurance company pays its share of your bill, the remainder of the bill becomes your responsibility, and the medical center will bill you.