Processing Your Bill
A Monument Health caregiver may contact you prior to hospital admission to review your current insurance coverage, the projected cost of the services and the expected amount for which you will be personally responsible. To request this service, please call 605-755-7500.
When appropriate, you may be asked to pay for delivery of services prior to or while you are in the hospital. This includes deductibles and/or co-pay amounts.
Treatment plans might change between the time of admission and your discharge from the hospital. Please note that charges might be added to your account after you are discharged.
Some things to keep in mind:
- Monument Health Patient Financial Advocates can work with you before you use hospital services. They will explain the costs and help with insurance. Call 605-755-7500.
- If you receive a bill that you don’t understand, or if you have questions, please contact our billing office at 605-755-7660.
- We are committed to improving patient access to information about the cost of their care. Monument Health is trying to make this process easier by providing a Web Estimate tool that helps calculate how much you’ll have to pay out-of-pocket for common health care services.
- A range of products and services can be bundled into the price of a particular hospital service, including medications, supplies, tests and services.
Frequently Asked Questions
- How is my bill processed?
- When will I receive my statement?
- What if there is a problem with my insurance?
- What if I do not have insurance?
- What if I cannot pay my bill “in full”?
- What are the financial assistance programs?
- What is the difference between medically and financially necessitous patients?
- Who is eligible for Monument Health’s financial assistance programs?
- Who can help me find a financial assistance program to fit my needs?
- Am I responsible for my bill while I am applying for assistance?
- What is an extended payment plan?
- Are all services covered?
- How do I read my bill?
How is my bill processed?
If you have insurance coverage, we will file your claim to your insurance carrier after you have received health care services.
When will I receive my statement?
As a convenience to you, we will not send your billing statements until your insurance company has processed your claim and there is a balance due. The balance will include co-pays and/or deductibles and/or non-covered charges.
What if there is a problem with my insurance?
Your insurance carrier will send you notification when it has processed your claim. If you do not receive notification within 30 days of your service, please contact your insurance carrier. Our office may also contact you if we are experiencing delays in receiving payment from your insurance carrier. You may be asked to provide more information and assistance to resolve the issue.
What if I do not have insurance?
If you do not have insurance, a bill will be sent directly to you after service is complete or you have been discharged from the hospital.
What if I cannot pay my bill “in full”?
If you are unable to pay the entire amount shown on your bill, please call Patient Financial Services at 605-755-7660. At that time, we can assist you with a payment plan. We also offer Financial Assistance Programs.
What are the Financial Assistance Programs?
These programs are designed to assist patients who are either financially or medically necessitous. The programs, depending on your financial circumstances, may result in a discount of the charges billed to you or may result in you having no obligation to pay for services provided.
What is the difference between medically and financially necessitous patients?
A medically necessitous patient is a person who has experienced a sudden loss of income of at least 90 days due to illness. A financially necessitous patient is a person who does not have insurance and cannot afford to pay for part or all of their health care.
Who is eligible for Monument Health’s financial assistance programs?
Depending on your financial circumstances, you might be asked to provide financial information regarding your income. Your financial assets and liabilities may also be considered when determining your ability to pay. Monument Health also uses income limits issued by the U.S. Department of Housing and Urban Development to determine a person’s eligibility for financial assistance. For more information about our Financial Assistance Programs, please call Patient Financial Services at 605-755-7660.
Who can help me find a financial assistance program to fit my needs?
Patient Advocates will help you understand the cost of care, determining what will be covered by insurance, explaining payment options, and identifying payment resources.
Am I responsible for my bill while i am applying for assistance?
Yes, you are responsible for your bill until eligibility has been determined.
What is an extended payment plan?
If you cannot pay the balance of your bill, you will be offered an Extended Payment Plan, which allows you to make monthly payments. A representative from our office will work with you to establish an agreeable repayment plan.
Are all services covered?
Only medically necessary care received at a Monument Hospital is covered on Monument Health’s Financial Assistance Program. A list of excluded services is available upon request.
Other bills you may receive: Depending on the services you needed, you might receive several other bills. If you had certain tests or procedures, you also might receive a separate bill from doctors who are not employees of Monument Health, such as an anesthesiologist, emergency medicine physicians, radiologist or pathologist.