Billing, Insurance and Payment
St. Jude Medical Center is committed to providing high quality, compassionate healthcare to all patients, regardless of their ability to pay. Medically necessary care should not be delayed because you don’t have health insurance or you’re unable to pay your hospital bill. St. Jude Medical Center understands health insurance benefits are confusing. Most plans do not provide 100% coverage for a hospital bill. Each plan has its own set of rules, exclusions and services that are not covered.
It is important for you to get involved in your healthcare and become familiar with your specific benefit plan so you get the most out of healthcare. If you are unsure of your coverage for a particular medical procedure or test, you should call the customer service telephone number on your insurance card before scheduling a procedure.
Your insurance policy is a contract between you and your insurance company. As a service to you, St. Jude Medical Center will send a claim to your insurance company for all services we provide to you. By working together, we can minimize misunderstandings, payment delays and billing costs. Please be aware, you are responsible for any charges not covered by your benefit plan and St. Jude Medical Center provides counseling services to answer your questions prior to receiving service.
Depending on your plan, you may be required to get approval (pre-certification) before you receive hospital services. Even in a life-threatening situation, your benefit plan may require you to contact them within 24 hours of receiving hospital care. We will assist you in doing that, but if you don’t obtain approval from your insurance company, you may be responsible for paying for your hospital care. Also, obtaining approval does not guarantee that the cost of the service is completely covered by your benefit plan. If St. Jude Medical Center does not participate in your insurance plan, you can in most cases still receives services at our facility. Please be aware, if your insurance does not participate with St. Jude Medical Center, your insurance company will consider our services as “out of network” and you will probably be responsible for paying more out of your pocket.
After you are discharged from St. Jude Medical Center, you will receive an itemized statement reflecting daily charges, including supplies and support services, such as x-rays and anesthesia. You will also receive separate statements/bills from the physicians involved in your care and treatment. This includes your physician, surgeons, pathologist who interprets laboratory test results, anesthesiologists who administer the anesthesia and radiologists who read and interpret your radiology exams and forward the results to your physician or the emergency room physician. Please see the list of “sub providers” and their contact information provided on our website.
Once your insurance company has paid on your account, you will receive a bill, showing your patient responsibility based on your health insurance plan. If you are not able to pay your bill in full, please contact our Customer Service Department where we can help you by setting up a payment plan or determine if you may qualify for financial assistance.
For any other requests, please contact our Patient Accounts department at 1-800-378-4189 for more details.