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Common Billing Questions

Will I receive an itemized bill?

Itemized bills are not routinely sent; however, you may request one at any time by calling our Patient Financial Services Department, Monday through Friday between 8 a.m. and 4:30 p.m. One will be mailed to you within 2-3 days of your request.

What do I need to pay when I arrive?

It is the policy of St Joseph Hospital to collect all co-pays, deductibles, co-insurance amounts, private room charges or any other non-covered amounts, at time of service. Please be prepared to pay these amounts when you arrive. If, after your insurance pays your bill, there is a refund due to you, it will be processed within 10 days of the insurance payment.

Under certain circumstance, you will be required to pay a deposit based on an estimate of your charges. The hospital accepts, cash, checks, or credit cards as forms of payment.

What if I cannot afford to pay?

At St Joseph Hospital, we are proud of our Mission to provide quality care to all patients regardless of their ability to pay. If you feel that you are unable to pay for your medical care, you may be eligible for our Financial Assistance Program. This program provides free or discounted services to eligible patients. Also, our financial counselors can assist you in applying for many government programs.

Will you bill my insurance company?

Yes. St Joseph Hospital will bill for hospital services. Please remember to bring your current insurance information at the time of registration.

Will you bill my secondary policy too?

Yes. Upon receiving payment or denial from your primary insurance company, we will gladly bill your secondary insurance for any balance.

Do you accept my insurance company's payment as payment in full?

We bill our patients for any deductibles, co-payments and co-insurance and non-covered amounts not collected at the time of service. The amount billed and collected is based on what is indicated as patient liability on the explanation of benefits provided by your insurance company.

Can I get an estimate of my bill?

After verification of coverage, our staff will make every effort to provide you with an estimate of what your out-of-pocket costs will be after your health plan pays all covered benefits for your care.

Who else might I receive a bill from?

You will be billed separately by each physician involved in your care. These physicians usually include your surgeon, anesthesiologist, radiologist (if X-rays are performed), pathologist (if pathology specimens are examined), Intensivist or Hospitalist, and any physician who may interpret an exam ordered by your doctor.

What is reflected on my bill?

Your bill reflects all of the services you received, aside from physician’s fees. Charges fall into two categories:

  • Basic daily rate, including nursing care, your room, meals, housekeeping, telephone and television
  • Special services, including items your physician orders for you, such as X-rays or laboratory tests

Will my insurance cover these services?

Coverage varies. Please call your health plan, plan administrator, or the benefits department of your employer with any questions regarding coverage or prior authorization requirements for treatment.

What if I do not have insurance?

We are 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 do not have health insurance or you’re unable to pay your hospital bill. If you do not have health insurance and are concerned that you may be unable to pay your hospital bill, it is important to let us know. You may qualify for the Patient Financial Assistance Program.

This program is limited to hospital charges and does not include physician, anesthesiologist or professional charges that are not billed by the hospital. For more information call a Financial Counselor at (714) 992-3000, extensions 3825 or 5110.

How soon after receiving services will I receive a bill?

You can expect a bill once we have received payment or denial of payment from your health plan. If you are paying your bill without filing with your health plan, you should receive a bill within 30 days.

Why do I have to give my insurance information every time I visit St. Jude Medical Center?

Individuals and/or employers frequently change health plans, so we ask for your insurance information every time you visit to ensure that our records are accurate and up-to-date. This also helps us protect you from potential identify theft so that we validate the person seeking services is the patient of record.