After you've received medical services, as a courtesy Holland Hospital will submit your medical bill to your insurance company; you may still be responsible for deductibles or co-payments, depending on your individual coverage. In most cases, insurance companies process claims in about two weeks. The Hospital allows a reasonable amount of time for your insurance to pay the claim. If your insurance delays or denies payment of the claim you may need to become personally involved to get your claim paid.
You will receive a bill for the remaining balance due after your insurance has paid its share, or for the total amount due if you have no insurance. Subsequent statements will include any additional charges, adjustments or payments made by you or your insurance plan, and any important messages or instructions regarding your account.
If You Have No Insurance…
Holland Hospital expects payment in full prior to the time of service unless other payment arrangements are made. Our Patient Financial Services staff will do our best to provide you with an Estimated Amount Due for your service. For non-emergency elective services, we expect you to pay the “estimated” charges at least one week prior to the date of your procedure. Holland Hospital offers a 20% “Uninsured Discount” to those who are uninsured at the time of service. This “Uninsured Discount” is applied to your account when you receive your initial statement.
If you cannot pay the Estimated Amount Due, in full, we require a deposit equal to 50% of the estimated charges, and arrangements for the unpaid balance to be paid within thirty days of the date of service. Depending on your personal financial situation, you may qualify for other payment options or Financial Assistance.
Explanation of Benefits (EOB)
Your insurance company may send you an Explanation of Benefits (EOB) showing which services were paid, and the amount. This is not a bill, but simply a statement showing what insurance will pay and the balance that may be the patient’s responsibility. The EOB also may indicate applicable yearly deductibles, coinsurance or co-payments. To request an EOB, contact your insurance company directly. The number is generally printed on the back of your insurance card.
To Request an Original Bill
If you need an original bill, contact our Patient Financial Services office at (616) 394-3122. Please note: Holland Hospital is unable to supply an itemized and/or summary bill suitable for submitting a claim to your insurance company if an unpaid balance remains on your account. Contact us if you would like us to submit the insurance claim on your behalf. If you wish to pay the bill in full, a receipt will be provided that will be acceptable to submit to your insurance company. (Michigan Medicaid regulations prohibit the hospital from providing recipients with an itemized bill.)
If you provided additional insurance information, the Hospital will bill your secondary insurance for any unpaid balance. Your insurance should process and pay secondary claims within thirty days from the date of the original insurance payment. Please be aware that some secondary insurance companies pay only to you, the patient. If you receive a check from your insurance carrier, please endorse the back of check by adding PAY TO HOLLAND HOSPITAL ONLY and send it, along with a copy of your Explanation of Benefits to:
PO Box 77000 Dept 77538
Detroit, MI 48277-0538
If You Have Questions
If you have questions or concerns about your bill, our Patient Financial Services staff is always ready to assist you with making payment arrangements for the portion of your claim that is your responsibility, such as non-covered services, deductibles, coinsurance, and copays assigned by your insurance company. Please call us at (616) 394-3122. Our office hours are 8:00 a.m. to 5 p.m., daily.
If you have questions about your eligibility, coverage limits, or how much your insurance company paid on your claim, we suggest contacting your insurance company directly by calling their Customer Service Department. Their telephone number can usually be found on your Insurance Identification Card.