You are responsible for providing the necessary insurance information and for working with the hospital to make payment arrangements when necessary.
You need to provide or present all insurance/third-party payer information. This is usually found on your insurance card. Please have your insurance card with you when speaking with a pre-admission representative by phone and/or when you come to the hospital.
Filing Your Insurance Claim
The Hospital of the University of Pennsylvania files insurance claims on your behalf. This does not release you from responsibilities for charges billed to your account. Your insurance contract is between you and your insurance company. Regardless of the type of insurance you carry, your bill is ultimately your responsibility. Any portion of the bill that is not paid promptly by your insurance carrier is charged directly to you, as in the case of co-payments and deductibles.
If you do not have insurance, the Hospital of the University of Pennsylvania requires a deposit at the time of admission, unless you have established a credit record with the hospital or other arrangements have been made. If you have balances due after your insurance has paid your claim, you are responsible for making the appropriate financial arrangements with the Hospital of the University of Pennsylvania by calling 877-433-5299.
Payment Due Prior to Service
Payments of deductibles, co-payments and non-covered services are expected at or prior to the time of services. Payments may be made by cash, credit card or check.
Understanding Your Hospital Bill
Shortly after returning home, you will receive a statement, or bill, listing the charges for your hospital stay. Depending on the services you received, you may get more than one bill. In addition to the daily charge for your room, this statement includes charges for such services as anesthesia, X-rays, laboratory work, blood transfusions and the operating room. The initial statement also shows an estimate of payments expected from your insurer. Later statements show payments received from your insurer and payments due from you, if any.
Charges for physicians' services are not included in your hospital bill. Most of the physicians involved in your care send separate bills for their services. You may receive bills from your primary physician, anesthesiologist, radiologist and/or pathologist. Charges for some specialized services, such as electromyograms and electro encephalograms, are also billed separately. Payments or payment questions about these bills should be directed to the appropriate physician’s office.
Questions About Your Bill?
If you have any questions about your hospital bill prior to or during your hospitalization, please contact a business services representative. Please note that explanations of charges for hospital services are available for review in the business services office during regular working hours. After you leave the hospital, you may call 877-433-5299.