Patient Billing and Insurance
Thank you for choosing Lake Chelan Community Hospital & Clinics (LCCHC) for your healthcare needs. Please take a few minutes to review the billing policies of the hospital. We recognize billing and insurance forms are sometimes difficult to understand. That is why our hospital financial counselors in the business office are available to personally assist you. If you have any questions or need help with your bill or form, please call an LCCHC financial counselor at (509) 682-6103 or (509) 682-6101.
Your Hospital or Clinic Bill
The majority of health insurance contracts/policies now have deductibles and co-insurance. If your health insurance coverage/benefit has this provision, you will need to make payment arrangements prior to your admission. The hospital will submit your bill to your insurance company after receiving the insurance billing information and the signed Release of Information, Assignment of Benefits, Financial Guarantee and, if covered by Medicare, the signed Medicare Certification.
Any balance remaining after insurance payment is due upon notification, or call to set up a payment plan. If you have no insurance coverage, please call 509-682-6103 or 682-6101 to discuss payment.
Business hours are 8 AM to 4:30 p.m. Monday through Friday.
Statements showing the status of your account are mailed monthly except for accounts with Medicare as the primary payer. These accounts will have statements sent out after we have received Medicare payment or rejection. If you wish to pay your account by MasterCard or Visa credit card, please stop at patient access on second floor of hospital or at the financial office across the street.
- Medicare Patients 682-6102
- Blue Cross / Commercial Patients 726-6017
- Managed Care / DSHS Patients 726-6016
- Credit Services/Financial Advisor 682-6101 or 682-6103
- Business Office Manager 682-8517
- Medicare 726-6043
- Commercial Patients 726-6042
- DSHS / Managed Care 726-6041
Services billed separately
If you receive any of the services listed below, that provider will bill you separately; the charge will not be included on your hospital bill:
- Surgeon, depending on provider
- Primary Care Physician
Prior Authorization for Treatment
For payment purposes, many insurance companies require you to get their approval before your treatment begins. If your insurance company does require preauthorization, please obtain written approval before admission. If you are unsure about your need for authorization, please ask your insurance company.
TYPES OF BILLING & PATIENT ARRANGEMENTS
Inpatient: An inpatient is a patient who is hospitalized at Lake Chelan Community Hospital.
Insured Patients: We can process the papers that are necessary to submit your insurance claim. As you know, your policy is a contract between you and your insurance company. The hospital has no control over provisions, exclusions, coverage or benefits. We do everything to process your claim, but please remember that you are responsible for your account. After the billing has been submitted, your insurance company has 30 days to provide payment for services.
Uninsured patients: If you do not have insurance, payment of your bill will be due upon discharge, unless other arrangements have been made with your financial advisor.
Outpatient: A patient who uses services of LCCH but is not hospitalized is called an outpatient. If you receive services as an outpatient, we ask for payment at the time of service, unless other arrangements have been made with your financial counselor.
TYPES OF ADMISSIONS TO THE HOSPITAL
Pre-Admission: A financial counselor will contact you to “pre-admit” you whenever possible, completing a pre-admittance form with you. Pre-admission will decrease the normal admission time when you enter the hospital. Allow a financial advisor to evaluate your financial needs in the event you do not have coverage
Elective Admissions: If your insurance does not cover your bill, or only covers part of the bill, we will need an advance deposit of one half of the balance due. This deposit needs to be made before 4 PM the day prior to admission.
Emergency Admissions: Lake Chelan Community Hospital will provide emergency treatment to all patients, regardless of their ability to pay. If you are claiming no insurance or less than total coverage, you will need to meet with your financial counselor prior to discharge to find other methods of payment.
Types of Coverage for Inpatients & Outpatients
Please identify your type of coverage and provide your financial counselor with the information listed. We will send your hospital bill to the company or agency that provides your coverage. You will be responsible for any portion of the bill that is not covered by your insurance.
DSHS State of Washington: Present your coupon the day of your visit for the month you receive services. Bring all insurance information.
Medicare Benefits: Present Medicare card when you register at the hospital. Medicare requires you pay a portion of the bill. Bring all other insurance information.
Preferred Provider Insurance Contract: Bring your insurance ID card to the hospital.
CHAMPUS: Present your current CHAMPUS card.
Worker’s Compensation: Bring your claim form from your employer, which will include:
1. Employer’s name
2. Employer’s address
3. Worker’s Compensation Carrier Address
4. Worker’s Compensation Claim Number
Indian Health Service
For inpatient services or services over $2,000, you are required to apply for Public Assistance to cover your bill. If you qualify for public assistance, the Indian Health Service may pay the deductible (balance due). You can get applications at the hospital, and your financial counselor can help you fill out the forms.
Other insurances requiring YOU submit claim: We will mail you a detailed list of the services you received from LCCH upon request. Send this information with the claim you submit to your insurance company. We allow 30 days after billing for your insurance company to provide payment for services to the hospital.
No Insurance or Not-fully Covered
If you are not covered by hospital insurance or you have insurance that covers only part of your hospital bill, you can make arrangements with your financial counselor to use our payment plan as described below:
*Account balance: Your monthly payment:
$100 or less $ 25
$101-300 $ 75
$1,000 and over $200
If the amount owed is more than $1,000, you will need to contact your financial advisor to make payment arrangements. Missed or late payments will require payment in full and will void any prior contact arrangements.
*Lake Chelan Community Hospital & Clinics will carry your account(s) for one year interest free. After that year, you will need to find other avenues of payment and pay the hospital in full.
If you do not qualify for any of the low or no cost insurance programs available, Lake Chelan Community Hospital will review your provided financial information (household income) to determine if you meet our internal Charity Care Program criteria. This program is based on Federal Poverty Guidelines and allows from 5% to 100% discounting on services billed. If, for some reason, there is still difficulty in meeting this financial obligation, LCCH will work with you to set up a payment plan that fits into your budget.
If you pay your balance in full within 90 days, you will receive a courtesy prompt-pay discount of 15% discount. Please call for more information.
Also, if you are a local homeowner, you may qualify for a discount on your bill. The Commissioners of the hospital district take their responsibilities seriously and continue to pursue opportunities to finance service provided in a fair manner. As such, if you pay taxes that support Lake Chelan Community Hospital, you are eligible for an annual discount for the actual amount of taxes you paid, up to $500, on your primary residence to support the hospital during that calendar year. Discounts will apply to patient account balances after all third party payments are received. A copy of your Property Tax Statement is required to apply the discount. Contact billing at 682-6103 or 682-6101 for more information.
In essence, if you use the services of the hospital during the year (for anything, including laboratory tests, mammograms, medical procedures, etc…), the amount you pay in taxes to the hospital district can be applied to the account after your insurance company has paid its portion. Co-pays are excluded.
Delinquent (past due) Accounts
Patients’ accounts become delinquent 30 days after billing or insurance denial. Patients will receive a Final Notice requiring the account be brought current within ten (10) days or paid in full. If the delinquency is not corrected within the ten (10) day period, the account will be considered for referral to an outside agency for collection.
Lake Chelan Community Hospital