General Questions

1. What's the best way for me to pay my hospital bills?
2. What is a deductible? A co-insurance?
3. Who is responsible for paying my bill?
4. What other bills will I receive?
5. Did you bill my correct insurance?
6. What is pending with my insurance?
7. What do I owe?
8. Did you receive my payment?
9. Why didn't my insurance pay?


1. What's the best way for me to pay my hospital bills?

When making medical payment decisions, make sure you know:

  • the total costs
  • what your insurance will cover
  • what you will have to pay out-of-pocket
  • what method of payment the hospital accepts
  • if you or your hospital physician's office staff will be completing insurance forms


2. What is a deductible? A co-insurance?

  • A deductible is the initial amount of "covered" health costs that you pay before your insurance plan begins reimbursement. A deductible is usually a set dollar amount such as $250 or $500.
  • A co-insurance is the portion of your health care expenses not covered by insurance. A co-insurance is usually a percentage figure, like 10% or 20%.
  • A copay is a flat fee that will be your expected cost out of pocket while the insurance pays the remainder of the procedure cost at 100%.

    For example, if the insurance and patient are expected to pay the facility $1,000 for a procedure and the copay is $275 then the patient will owe the $275 while the insurance will pay the remaining $725.  There are some insurance plans out there that will say the patient owes a copay and a coinsurance, but a majority of the time the patient usually owes just a copay in these situations.
    Once you have this information, there is a number of ways for paying your bill:
  • If your insurance pays all but a deductible or co-insurance, you will be required to pay at least a portion of your estimate at the time of service if you are unable to pay the full amount.
  • The hospital will file the claim for you. After insurance has made payment, you will receive a bill asking for payment on the balance using cash, check, or credit card.
  • In certain circumstances, you will be able to make monthly payments to the hospital until your bill is paid in full. You should discuss this with our Patient Accounts Department.
  • A copay is a flat fee that will be your expected cost out of pocket while the insurance pays the remainder of the procedure cost at 100%.     
Make sure that you understand what the hospital requires and what payment options you have.



3. Who is responsible for paying my bill?

The hospital will bill your insurance company directly (unless you specify otherwise), you are ultimately responsible for making certain that your bill is paid.

If a balance remains after your insurance has issued a payment or a denial, payment is due immediately upon receipt of your statement.



4. What other bill(s) will I receive?

In addition to your bill from the hospital, you may receive bills from other physicians who may have provided services to you. For instance, you may receive bills from consulting physicians, radiologists, or other specialists. Please contact their office directly if you have questions concerning their bills.



5.

Did you bill my correct insurance?

To find the answer to this question,
you will need to check your account details.
Customer Service: 865-251-4400



6.

What is pending with my insurance?

To find the answer to this question,
you will need to check your account details.
Customer Service: 865-251-4400



7.

What do I owe?

To find the answer to this question,
you will need to check your account details.
Customer Service: 865-251-4400



8.

Did you receive my payment?

To find the answer to this question,
you will need to check your account details.
Customer Service: 865-251-4400



9. Why didn't my insurance pay?

Please contact your insurance directly for this information.