WITH WHOM SHOULD I DISCUSS MY STAY AT MIDDLESEX HOSPITAL BEFORE I ARRIVE THERE?
Talk to your physician. Before your admission or appointment, remember to discuss your estimated length of stay and anticipated tests and services with your physician. It’s good to be aware of all the details so that you can check to confirm that your insurance provider will cover all of the charges.
IS IT IMPORTANT FOR ME TO TALK TO MY INSURANCE COMPANY BEFORE I GO TO MIDDLESEX HOSPITAL?
Be sure to find out what services, tests and procedures your insurance provider will cover before your appointment or admission. Many insurance carriers have coverage limits on room charges and certain tests, services and procedures. If you aren’t sure which services are covered, contact your insurance company’s member services office before your visit.
WHAT IF I HAVE MEDICAL COSTS THAT I DIDN’T EXPECT AND AREN’T COVERED BY INSURANCE?
If you need assistance paying your bill we may assist you with payment plans and/or financial assistance. To inquire, please call the Financial Counselor at 860-358-2402 or 860-358-2403.
We recommend that you contact your insurance payer before any hospital, clinic or physician office visit to find out what is covered under your plan and whether you will be responsible for any part of the payment. If you are not able to pay your account in full, we can help you with a payment plan. And, if you are unable to pay for necessary medical care, you may qualify for financial assistance. To inquire, please call the Financial Counselor at 860-358-2402 or 860-358-2403.
If you are unable to pay for necessary medical care, you may qualify for financial assistance. To inquire, please call the Financial Counselor at 860-358-2402 or 860-358-2403.
WHAT ELSE WILL I NEED TO KNOW ABOUT MY INSURANCE COVERAGE WHEN I ARRIVE AT MIDDLESEX HOSPITAL?
Before your admission, we will ask you to provide your insurance information. We will also require payment for the part of your hospital service or physician bills not covered by your insurance plan. This may include co-payments, deductibles and/or co-insurance amounts. Keep in mind that while Middlesex Hospital may be in network for your insurance plan for most services, each Middlesex Hospital facility/affiliate may not be considered participating or “in network” for all services, like laboratory or radiology services. You may need to go to your insurance’s "preferred provider" for these services or pay out of pocket.
WHEN MUST I PAY?
For the financial health of the hospital, it is our policy to collect all amounts owed before services are rendered. For non-emergency visits or admissions, your treatment may be denied or delayed if your financial obligation is not met before the service date. As noted elsewhere, we have payment plans to assist you in managing your health care expenses. Talk to us before you arrive so that your admission is easy and hassle-free.
WILL I RECEIVE ONE BILL OR SEPARATE BILLS FOR THE HOSPITAL SERVICES AND THE SERVICES OF MY MIDDLESEX HOSPITAL PHYSICIAN?
You may receive separate bills for hospital and physician services. Sometimes it comes as a surprise after paying the hospital bill to receive additional invoices. We know that keeping track of multiple bills in the midst of an illness is an added challenge. Before your stay or procedure, it may help to create a master list with the estimated costs for your medical treatment, breaking down the costs by category such as hospital, surgeon, anesthesiologist, outside lab work and other relevant areas. Then as the invoices come in, keep copies in a folder and refer to your master list to see which bills are outstanding and quickly check for remaining financial obligations.
Don’t be shy! Ask your primary care physician’s office or our customer service department for help understanding all the expected charges and their sources.
DO YOU ACCEPT PAYMENT BY CREDIT CARD, PERSONAL CHECK, OR CASH?
You may pay by cash, personal check, traveler’s check, money order or credit card. If you are not able to pay your account in full, we offer payment plans and financial assistance. To set up a plan, you may speak with one of our customer service representatives.