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Hospital: 701-965-6384
Crosby Clinic: 701-965-6349
Care Center: 701-965-6086

Point of Service Payment

In recent years, hospitals across America have introduced programs to provide easier payment methods for patients. One such program is called Point-of-Service Payment, and it consists of allowing patients to pay their portion of the bill at the time of service or immediately after services have been delivered.

Why has St. Luke’s Medical Center implemented this program…I was never asked to pay at the time of service before?

Today, most service organizations require payment at the time of service, including hospitals and physicians. This is done primarily for three reasons:

1) providing patients information about their expected portion of the bill up front allows them to make informed decisions;

2) a significant portion of a hospital’s revenue is from insured patients’ co-payments, deductibles and non-covered procedures, as well as payments from patients without insurance

3) by collecting payments at the Point-of-Service, hospital operating costs are kept down, since collecting after patients leave the facility can be both costly and time consuming.

These savings are then reinvested to help operate the hospital, pay for new medical technology and maintain the facility – all of which benefit our patients and community.

What are the various ways I can pay my portion of the bill?

For your convenience, we take cash, checks and credit cards (Visa, MasterCard, Discover and American Express). Our representative can help you complete this process.

How does St. Luke’s Medical Center determine my payment?

For scheduled services, St. Luke’s Medical Center will call and verify insurance coverage in advance and notify the patient what their portion of the bill will be. In addition, many insurance plans list the co-pays for various services, such as Emergency Room visit
co-pays, on the insurance card. The main difference between Point-of-Service and other payment programs is that we ask for your portion of the bill while you are at the hospital or clinic rather than billing you later.

For elective procedures, will I know what the portion of my bill is before I get to the hospital?

We will make every effort to contact your insurance company so that you will know the balance due at the time of service. We will ensure that pre-certification is obtained for you, which ensures that you have met the various criteria that insurance companies sometimes require for certain services before they will agree to pay. We do this on your behalf to help ensure your insurance company won’t deny your claim, which could leave you responsible for the entire bill.

What if I am in a financially difficult situation?

We understand that sometimes paying deductibles or co-pays can be difficult due to life situations, so patients who have financial hardships will be referred to a representative who can help identify possible financial assistance such as Medicaid or any other federal, state or local benefits coverage. The representative can also help develop a payment plan that is satisfactory to both the patient and the hospital. We participate in many programs to assist our patients in their financing.

Will I be asked to pay other unpaid balances when I visit St. Luke’s Medical Center for something else?

Yes. If you have an account with an unpaid balance either with St. Luke’s Medical Center or collection agency working on our behalf, that amount will be added to the amount you will owe for your current visit.

What if I come to the hospital in an emergency?

The first priority of any Emergency Room is to care for patients and do everything possible to help them overcome the emergency situation. Our nurses and physicians are not involved in the collection process, since their only concern is the clinical care of their patients. With that in mind, after a medical screening examination has been performed and the patient is determined not to have an emergency medical condition, the registration clerk may ask for payment.

What do I need to bring with me?

To assist us in determining the proper amount due at the point-of-service, patients should bring insurance cards, have their Social Security number and photo identification (such as a driver’s license). The registration clerk will use this information to confirm with your insurance provider what your co-payment and deductibles are for the services you are receiving. Patients should also be prepared to pay by bringing
their check book, credit card, etc.

Please do not hesitate to ask a hospital representative about this program if you have any concerns or questions or contact our Business Office Manager at 701-965-6384.