What is a deductible?
A deductible is the initial dollar amount of covered medical expenses that you must pay before a health insurance provider will begin reimbursement.
What is a co-payment?
A co-payment is a specified dollar amount or percentage of covered expenses that a health care plan or Medicare requires a covered person to pay toward eligible medical bills. A co-payment is generally a percentage amount such as 10% or 20%. For example, on a $1,000 bill, the deductible might be $500, so you would need to pay the first $500, leaving a balance of $500. Of that $500 balance, your co-payment might be 20% or $100; your insurance will pay the remaining $400.
Who is responsible for paying my bill?
While Mary Free Bed bills your insurance company directly (unless you specify otherwise), you are ultimately responsible for ensuring that your bill is paid. If, after your insurance has issued payment or denial, a balance remains on your bill, payment is due immediately on receipt of your statement.
Besides my bill from Mary Free Bed, should I expect to receive other bills?
Patients may receive bills from other physicians or specialists who have provided services to you. For instance, you may receive bills from consulting physicians, radiologists, or other specialists. For questions concerning bills other than those from Mary Free Bed, please contact the office issuing the statement.
What if I cannot pay the amount I owe in full?
Mary Free Bed is happy to work with patients to establish payment plans. You may also apply for financial assistance. Please note that partial payments made toward your balance will stop collection activity only if you have made payment arrangements with us. Contact Patient Financial Services at 616.242.1323 or 800.528.8989 to make arrangements.
Does Mary Free Bed accept credit card payments?
Yes. Credit card payments can be made through Mary Free Bed’s Patient Financial Services Department. For your convenience, Mary Free Bed accepts cash, personal checks, debit cards, money orders, Visa, MasterCard, American Express, and Discover. You may also pay your bill online.
Who can I call for answers about my billing questions?
Please call Patient Financial Services at 616.242.1323 or 800.528.8989.
What should I do with an insurance payment sent directly to me?
If an insurance payment is sent directly to you, it should be used to pay any outstanding charge to Mary Free Bed. As soon as possible after receiving the payment, you should deposit the insurance check and send Mary Free Bed a personal check, or you can forward the insurance check.
What if Mary Free Bed has no contractual agreement with my insurance provider?
Even if your insurance company doesn’t have an agreement with Mary Free Bed, you can still receive treatment here. However, you may be asked to make a deposit before receiving medical treatment at Mary Free Bed and you will be financially responsible for your total charges.
As an uninsured patient, what am I required to do?
Mary Free Bed requires uninsured patients to deposit the estimated cost of scheduled services in advance. If additional services are needed, additional deposits are required. For those experiencing financial hardship, please call Patient Financial Services for more information about Community Financial Aid.
What is an Advance Beneficiary Notice (ABN)?
An Advance Beneficiary Notice (ABN) is a written notice that you may receive from physicians, providers, or suppliers before they furnish a service or item to you, notifying you:
That Medicare will probably deny payment for that specific service or item in your case.
The reason the physician, provider, or supplier expects Medicare to deny payment.
That you will be personally and fully responsible for payment if Medicare denies payment. An ABN also gives you the opportunity to refuse to receive the service or item.
How does receiving an ABN help me?
When you receive an ABN: The ABN protects you from unexpected financial liability in cases where Medicare denies payment. The bad news is that Medicare probably will not pay. The good news is that you now have the opportunity to choose whether or not to receive the service or item.
The ABN helps you to make an informed consumer decision about whether to obtain the service or item and be prepared to pay for it (that is, either out of your own pocket or by your other insurance coverage) or to choose not to receive it.
The ABN allows you to have your claim reviewed by Medicare if you do receive the service or item. This also means that you will have the right to appeal Medicare's decision.
What information must be included in an ABN for a Part B service or item?
The ABN must identify the service or item for which denial is expected, and it must clearly state the reason a Medicare denial is expected. It may include an estimate of the cost for the service or item. Be sure to ask how much it will cost you.