Navicent Health Baldwin

Understanding Your Hospital Bill and Insurance Claim

Your billing responsibilities: Processing Your Bill With Your Insurance
We ask that you provide us with complete health insurance information upon registration. This includes presenting a driver’s license or ID, all insurance cards and authorization forms. If you have been a patient at NHB before, we ask that you verify your personal information and insurance at each registration. We will ask you to authorize release of information and assign benefits to the hospital.

Please understand and comply with the requirements of your health plan by knowing your benefits, obtaining prior authorizations for services, submitting claim forms or completing a coordination of benefits form as your health plan may require. Your physician may have ordered tests or procedures that your health plan does not cover. In these cases, check your health policy plan handbook or call the telephone number on your insurance card for more information.

Please respond promptly to requests you receive from your health plan. While we will attempt to provide all information and paperwork to your health plan, sometimes they require a response from you to resolve issues related to your account or insurance coverage. If you health plan has not made payment within 60 days after billing, and has not responded to our attempts to resolve payment matters on your behalf, the balance owed may become your responsibility. Your insurance company will usually send you an explanation of payment they have made to providers on your behalf at the same time they make payment to the provider.

Please call us if you have any questions or concerns about a bill. The best number to call is always the number on the bill you are inquiring about.

What we will do for you

If you have current insurance coverage, the hospital will bill your insurance carrier shortly after health care services are rendered. When a bill is sent to your insurance company a summary statement is also sent to your attention. Please note this summary is NOT a bill, but an acknowledgement that the hospital has sent a bill to your insurance company on your behalf. As a convenience to you, we will not send another statement until your insurance company has paid and there is a balance due, or unless we have been unable to obtain payment from them. If you have more than one plan, we will bill additional carriers. There are many reasons for claim processing delays through your insurance carrier. Please keep in mind that it could take months before you receive a statement from the hospital showing a balance that you are responsible for paying.

You may call the Business Office Monday through Friday during the hours 8 a.m. to 4:30 p.m. except on holidays. You may occasionally reach voice mail and if you leave a message a representative will call you back within 24 hours.

You will have access to a financial counselor or billing specialist to answer billing questions or assist you with payment issues. They will be able to assist you with questions concerning insurance benefits, hospital charges, payment options and applying for financial assistance.

You will be treated with dignity and respect. At NHB, all patients will be treated with dignity and respect, regardless of your ability to pay.

You will have access to information on the hospital’s Charity and Financial Assistance Programs. Patients with balances resulting from limited or no insurance coverage may qualify for our charity care or financial assistance programs. These programs are designed to assist patients who are either financially or medically indigent. A financially indigent patient is a person who is uninsured or underinsured and is accepted for care with no obligations or a discounted obligation to pay for services based on income and family size. The hospital uses poverty income guidelines issued by the U. S. Department of Health and Human Services to determine a person’s eligibility for care as a financially indigent patient. NHB may consider other financial assets and liabilities of the patient to determine ability to pay. The patient is responsible for providing information requested during the qualification process and will continue to receive a bill until eligibility for financial assistance has been determined. Please ask the financial counselor for information about these programs. Click here for a little more on financial assistance.

Thank you for choosing Navicent Health Baldwin as your health care provider. We understand that hospital bills and health insurance claims can be confusing. With that in mind, we have provided this information to help you better understand billing issues. If you have any questions concerning this information about your bill, please call 478-454-3585, and you will be directed to the person most qualified to answer your questions.

In plain terms, we will try to help you understand what our hospital billing representatives can do to assist you, what you can do to assist us and your health plan, and how we can help you with your application for qualifying for government or other possible financial assistance programs.