If you are planning to receive hospital services, contact your insurance company prior to your admission, surgery or diagnostic test. Also, contact your insurer within 24 hours after an emergency admission (see phone number listed on the back of your insurance card) to comply with its pre-certification, pre-approval or second opinion requirements. Failure to do so may result in a denial or reduction of your benefits.
- Before you come to the hospital, it is important that you verify that Palos is in your insurer's network. If not, you could be denied coverage or find that your portion of the medical expenses significantly increases.
- All valid insurance cards must be presented at time of registration.
- Patients are ultimately responsible for their account balance — including their portion of payment and that of their insurance company. As a courtesy to our patients, Palos bills insurers, including secondary carriers. Insurance companies are required by state law to pay hospitals within a reasonable period of time, generally 45 days. If payment has not been received within 60 days, you may be responsible to resolve the balance with your insurance company. Please advise the Business Office toll free at 866-395-4723 of the status of your claim or if you are having difficulty reaching your insurance company.
- Professional services of personal physicians, as well as hospital-based physicians (emergency, radiology, pathology, anesthesia, etc.) will be billed separately by the physician. You may have a greater financial responsibility for services provided by these health care professionals who may not be under contract with your health care plan.
Balances After Insurance
The patient is responsible for any unpaid balance after the insurance company has paid its share. That amount will be invoiced to you by the hospital. Accounts paid within 30 business days of receipt of the bill will receive a 10 percent prompt payment discount. We do accept credit cards and check-by-phone payment. Palos will remind you via phone and mail of any unpaid balance. Unpaid balances exceeding 60 days following the insurance company payment may be turned over to an outside collection agency.