You may have questions about your financial responsibility and what exactly your insurance may cover. Below are the most common questions patients ask about their insurance coverage and clear, simple answers to them. By giving you a summary of your financial rights and responsibilities, we hope you can concentrate on the most important part of your hospital stay ... getting better.
Banner did recently switch statement partners, which means your statement looks different and contains updated information.Learn more.
是的，您仍然需要支付该陈述。您可以通过访问付款门户来做到这一点。
If your statement is from a hospital visit or a visit to select outpatient centers or physician offices,this document should help guide you through your statement.
是的,横幅与公司合作提供了一个"Patient Concierge," which is a virtual assistant who digitally walks a patient through the different components of their bill. This service is available on any statement that has a QR code printed on it.Learn more.
Each statement you receive should have an online pay option listed. You may also访问我们的在线账单支付网站for payment options.
如果您对您的账单有疑问，我们的账单专家在这里协助您。
If you received a bill from Banner, you will note that there is a customer service information provided directly on the bill. If you have been discharged from the hospital and you have financial questions but have not received a bill, please contact one of our billing experts for assistance. They can be reached at (888) 264-2127 Monday through Thursday 8 a.m. - 7 p.m.; Friday 8 a.m. - 5 p.m.; Saturday 8 a.m. - 12 p.m. (all times are MST).
Since every insurance plan is different, it is always best to check your coverage and ask questions. We recommend you know the benefits of your individual plan, which have designations for preferred providers, in-network care and out-of-network care. Not following your insurance company's rules could result in a larger financial responsibility for you.
Your insurance plan can deny payment for services or procedures even after they have been completed. Many health maintenance organizations (HMOs) and insurance plans now require pre-admission notification, approval or second opinions for certain procedures. We recommend you contact your insurance plan directly or contact your employer (as applicable) for more information.
Yes. Your insurance card contains information we need to file a claim with your insurance on your behalf. Your registration process goes much faster when you bring your insurance information with you.
You are expected to pay your plan-required co-payment, estimated co-payment and/or deductible at the time of service. Banner accepts cash, personal checks, and credit cards.
There are many resources available to assist you.了解有关我们的财务援助计划的更多信息。
我们有additional resources on our Financial Assistance page to assist you, including information about the insurance marketplace. Patient Financial Representatives in the Business Office can also discuss payment arrangements with you.
Many insurance companies have special reimbursement rules regarding Emergency Care. These rules may require patients to receive care at the appropriate level, meaning at an urgent care facility or physician office rather than via an emergency room. Not being familiar with these guidelines could result in a greater financial responsibility for you. Please refer to your insurance company plan guidelines to determine what level of care you would like to use.
Yes, the hospital will send your insurance company a bill for services you incurred as a patient. It is important to remember, however, that the hospital relies on you for settling your account in full regardless of your insurance coverage. Your insurance policy is an agreement between you and your health insurance provider.
When a charge is denied by an insurance company, the reason will be indicated on your Explanation of Benefits (EOB) document, which is sent by the insurance company. If the denial reason is noted as "provider responsibility," Banner will escalate that denial to our internal appeals department, and we are able to work with your insurance company to appeal the denial. If the denial reason is noted as "patient responsibility," Banner can unfortunately not appeal that decision; you will need to work with your insurance company to understand the denial reason more.
Please contact Banner if you feel your insurance denied the claim incorrectly and we will be happy to re-validate our coding. However, please understand that providers must follow billing guidelines and we cannot change diagnosis or procedure codes for the sole purpose of reimbursement.
It is our commitment to ensure patients are billed only for the services performed and have many safeguards in place to ensure billing accuracy. That said, Banner has a team of nurses that will perform a full audit on your account upon request. If any discrepancies are found, charges will be removed or added to your account, after which Banner will send a corrected claim to your insurance provider. Depending on how the original claim was paid and your insurance benefits, a change in total charges may or may not result in a change in your patient responsibility.
回答您的保险公司有关覆盖详情的任何询问非常重要，例如事故或其他事件的细节，即使您觉得覆盖范围不存在。如果保险公司没有收到对询问的回复，请予以拒绝患者责任。如果发生这种情况，患者必须在联系旗帜之前致电他们的保险，以提供额外的信息或年度覆盖更新。然后，保险公司将重新处理索赔和发行付款，但通常只有在及时收到答复。
不必要。当您在横幅收到护理时，您可以获得其他合同的专业医务人员执行的医疗服务单独的账单。虽然他们可以在医院工作，但他们实际上可能无法为医院工作，例如急诊医生，放射科，病理学家和麻醉师。您将收到此护理的单独账单，其中包括您可能拥有的任何特定结算问题的客户服务信息。
Banner Health partners with multiple organizations which help thousands of people find programs to assist in finding coverage and additional benefits, which may help pay for some costs of prescription drugs, health care, utilities, and other essential items or services.Visit our Financial Assistance page to find out more information about these programs.
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