When you seek services at Arbor Health we ask that you accept responsibility for payment for those services in a timely manner. We will bill Medicare, Medicaid or your insurance for services provided. You will be required to sign a Consent for Treatment and Responsibility for Payment form, regardless of third-party insurance coverage. Your account is your personal responsibility. If any portion of your account is not covered by insurance, please contact Patient Financial Services to make other financial arrangements.
Fees and charges are based on our "charge master" rates. Its important to note that fees and charges for services at a private physician clinic may differ from those at a clinic operated by Arbor Health.
We welcome your help and your communication. Working together, we can keep the billing process as simple as possible for you. To help us do a better job, please:
- Tell us about your health insurance or coverage by government programs, such as Medicare, when you register for services.
- Become familiar with your insurance benefits so you will understand how much of your expenses will be covered by insurance and how much you will be responsible for. (If you have questions about your insurance coverage, please call them directly.)
- Have your co-pay ready at the time of service.
- Let us know immediately if you expect to have trouble paying your bill.
- Pay your bill on time.
Insurance and HMO information
Arbor Health, Morton Hospital, participates in many of the managed care plans offered in the area. If you have a question as to whether or not we participate in the plan you have, please check your provider directory or call your insurer.
It is very important for you to know if your insurance or HMO/PPO requires pre-certification for any care provided at the hospital. If pre-certification is required and you or your physician do not take steps to ensure this authorization is obtained, you will be responsible. Failure to obtain prior authorization can result in reduced benefits or the possible denial of your entire claim.
If you have insurance or HMO/PPO coverage, the Patient Financial Services Office will bill your insurance if complete billing information was given at the time of registration/admission. If you have questions regarding payment, we suggest you contact your insurance carrier or HMO/PPO to review the status of your claim.
Arbor Health, Morton Hospital, is a participating provider for Medicare and accepts assignment of covered benefits. After Medicare pays their portion of the charges, the hospital billing office will bill your supplemental insurance based on the information you provided during the registration process. You will receive a statement from the hospital notifying you of your responsibility if there are any balances after Medicare and your supplemental insurance payments.
If your insurance company does not pay in full, you will receive a statement notifying you of your balance. In addition to payment by check or money order, we do accept MasterCard, Visa, or Discover Cards. If you are unable to make payment in full, payment arrangements are available. Contact Patient Financial Services.
Delinquent accounts may be referred to outside collection agencies when payment in full has not been received or appropriate payment plans have not been established or maintained.
As a cost savings measure, we do not routinely send out copies of itemized patient bills. Should you desire an itemized statement, please call Patient Financial Services, and you will be routed to the appropriate representative. If you are a patient at the hospital multiple times, your statement balance will change to reflect multiple visits.
Your hospital bill may include charges for physicians who provided services directly to you or on your behalf. Physician fees are billed on a separate claim form and appear on your statement as a separate line.
Patients who are unable to pay for hospital services are welcome to apply for the hospital's Financial Assistance Program. Applications are available by calling 855.880.7287. Our trained financial counselors are available to:
- Answer your questions about Arbor Health, Morton Hospital's Charity Care Policy.
- Review your eligibility for financial assistance.
- Connect you with other payer sources, such as government programs.
- Complete an application form for financial assistance for you.
- Verify your financial need.
Federal poverty income guidelines are used as the basis for eligibility.