About Your Hospital Bill
Thank you for coming to CentraState Healthcare System for your healthcare needs. Your hospital bill reflects all of the services you received during your stay. Charges fall into two categories; a basic daily rate, which includes your room, meals, nursing care, housekeeping, telephone and television; and charges for special services, which include items your physician orders for you such as x-rays or laboratory tests.
Other Bills You May Receive:
If you had certain tests or treatments in the hospital, you may receive separate bills from physicians you did not see in person. Such bills are for the professional services provided by these physicians—for example, reading and interpreting test results, or providing surgical services—while you were hospitalized.
These physicians who were integral in delivering your care are independent professionals (i.e., "independent contractors") who are not employed by CentraState, but who have certain privileges to perform medical services within CentraState Medical Center. They may include, but are not necessarily limited to, pathologists, radiologists, anesthesiologists, cardiologistsor other specialists. Their independent services are not reflected in your basic hospital bill, and they are required to submit separate bills.
Patient Payment Responsibilities:
The final responsibility for the payment of a patient's account always rests with the patient or the patient's guarantor. Although CentraState accepts and honors assignments of insurance benefits and works closely with patients regarding the settlement of liability claims connected with their hospitalizations, we do so only as a convenience to patients in assisting them to settle their hospital accounts. The acceptance of an insurance assignment does not relieve patients of the final responsibility of settling their accounts.
If proper insurance information is submitted by the patient or patient's representative during his/her stay in the hospital, CentraState will bill the patient's charges to the insurance company as soon as possible after discharge.
Any balance in a patient's account that exceeds the estimated insurance benefits are due from the patient or patient's guarantor at the time of discharge.
Patients scheduled for elective admissions, or for elective outpatient procedures, must make arrangements prior to their admission for the payment of any amounts that will not be covered by the patient's insurance. Any patient having inadequate insurance coverage, or no insurance coverage, will be asked to make appropriate deposits at the time of admission.
Billing/Payment Information & Assistance:
Information regarding your bill and post-billing time payment arrangements can be obtained by calling (732) 294-7065. Patients needing Information regarding deposit requirements and pre-payment options may call 732 294 2632. In accordance with the New Jersey Hospital Care Payment Assistance Program, NJAC 8:31B, (commonly known and hereinafter referred to as “Charity Care”) patients wishing information in enrolling in and becoming eligible for any public assistance medical plans and/or qualifying for Charity Care for medically necessary services may call (732)294-2641. The CentraState staff will assist you in reviewing payment options which include time payment arrangements and eligibility for financial assistance.
Methods of Payment
When you register for services at CentraState you will be asked about your insurance and desired methods of payment.
If You Have Health Insurance – We will need a copy of your insurance card. All patients will be asked to pay a deposit, depending on the extent of your coverage and deductible requirements. We also may need the insurance forms supplied by your employer or the insurance company. You will be asked to assign benefits from the insurance company directly to the hospital.
If You Are Covered by Medicare – We will need a copy of your Medicare card to verify eligibility and to process your Medicare claim. You should be aware that the Medicare program specifically excludes payment for certain items and services, such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations and others. Medicare only covers ambulance services when transportation by any other means would endanger the patient’s health. Deductibles and co-payments are also the responsibility of the patient.
If You Are Covered by Medicaid – We will need a copy of your Medicaid card for verification. Medicaid also has payment limitations on a number of services and items. Medicaid only pays for the cost of a semi-private room.
If You Are a Member of an HMO, PPO or Other Managed Care Program – Your plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. It is your responsibility to make sure the requirements of your plan have been met. If your plan’s requirements are not followed, you will be financially responsible for all or part of the services rendered in the hospital. Some physician specialists may not participate in your health care plan and their services may not be covered. Deductibles and co-payments are due on or before discharge.
If You Have No Insurance – During your hospital stay, a representative will discuss various options of paying your hospital bill.
Shortly after receiving care at CentraState you will receive a statement describing the charges for services.On the statement will be information on where to send payment along with posting of information from your insurance company. If you have any questions, you can contact billing at (732) 294-7065.