At St. Joseph Healthcare, we believe complexity and affordability shouldn’t be barriers to our patients’ ability to access they care they need when and where they need it. We encourage you to explore the information and resources we’ve made available here to gain better insight into our billing practices and financial assistance options, as well as ask questions or pay your bill quickly and easily.
For your convenience and peace of mind, you can pay your bill online, by phone, mail or in person at the facility where you received your services. If you are looking for the easiest option, we encourage you to use online bill pay as there several benefits, including:
To make life easier for our patients, we will automatically bill your health plan, including Medicare and Medicaid, on your behalf. If you have more than one health plan, St. Joseph Healthcare will bill additional insurance carriers. Billing statements will be sent to patients on a timely basis.
We understand that medical bills can be confusing, and the cost of care can be overwhelming. We can help. Call our Patient Accounts department at (877) 727-9190 for assistance with the following:
At St. Joseph Healthcare, insurance is billed as a courtesy to the patient. The patient remains responsible for contacting their insurance carrier to ensure prompt payment of their accounts. Patients should contact their insurance carrier if payment has not been made within 45 days. Accounts with delinquent balances or without adequate payment arrangements may be forwarded to a collection agency or attorney.
Please note you are responsible for all charges not paid by insurance. We accept personal checks and most major credit cards. If you are unable to pay your balance at one time, we will set up a payment plan for your balance. We’re in this together. If you have questions, please call (877) 727-9190 for assistance.
Upon a patient’s request, a detailed bill will be provided. The hospital will send periodic statements to the patient or responsible party in an effort to keep them informed as to the status of all open accounts.
Please contact our Patient Accounts Department at (207) 907-3631 for more details.
As a department of St. Joseph Healthcare, all of our affiliated physician practices have transitioned to “Provider-Based Billing.” Due to Medicare regulation related to provider-based billing, patients will receive two bills per visit. One bill will be for physician/provider services and one will focus on facility-related charges.
Below is a list of Frequently Asked Questions which may be helpful:
PBB refers to the billing process rendered in a hospital department. This process takes place when the hospital owns space and employs physicians and other support personnel who are involved in your care.
Patients will continue to receive excellent quality care with their physician. Scheduling appointments tests and procedures will remain the same.
Due to federal Medicare regulations, you will receive two separate bills. One bill will focus on the care you receive from our providers and staff and the other will cover facility fees. Previously these charges were grouped together. Once Medicare has processed their portion for the charges, the balance will be submitted to a secondary payor, if you have one. If there is a balance, you will receive a bill this amount.
If you are a Medicare patient and have supplemental insurance, it is likely that you will not encounter additional out-of-pocket expenses. If you do not have supplemental insurance, there may be an additional cost to you.
Certain health insurance plans available through the Health Insurance Exchange in New Hampshire provide in-network access to St. Joseph Healthcare’s doctors and services. For example, Anthem BlueCross BlueShield. If you are purchasing health insurance on the health insurance exchange, selecting the Anthem plan will give you access to St. Joseph Healthcare, physicians and services.
Financial representatives are available to answer all of your billing and payment questions from 8:00 a.m. to 4:00 p.m., Monday through Friday. You may contact them by calling (207) 907-3631. Representatives are available to assist you or your family with questions regarding insurance benefits, hospital charges, payment options and financial assistance applications.
Before you seek non-emergency treatment at St. Joseph, we suggest you contact your employer or insurance company to double-check your coverage and be sure St. Joseph Healthcare accepts your insurance. Click here for a list of participating insurance plans.
Free Care is available for patients who qualify. If your family’s income is 200% or less of the Federal Poverty Guidelines, you may qualify for assistance for your self-pay balance. You may inquire about thfis program before you arrive or at the time of registration or check-in. You may also inquire after receiving your statement. For an application for Free Care and a Summary of Coverage, click here.
In addition to the links above, individuals may request a copy of the Financial Assistance Policy and application from us by visiting St. Joseph Hospital, Main Admissions Department, 360 Broadway, Bangor, Maine 04402
To receive a free copy of the Financial Assistance Policy and application form by mail, call 877.727.9190 or submit a written request to: 11511 Reed Hartmann Highway, Blue Ash, OH 45241 (Attn. Public Benefits)
Health Insurance Exchanges have been established to help people who do not have insurance find health coverage. You can fill out an online application to inform you if qualify for private health insurance plans at lower costs based on your household’s size and income.
If you have not applied for health insurance coverage, as of March 31, 2014, you will have to pay a yearly penalty for each member of your household who does not have coverage, estimated at 1% of your annual income.
The good news is that there are new programs and support available for people who do not have insurance, and there are special programs for people with lower incomes.
Individuals and households with low incomes may also be eligible for Medicaid and/or the Children’s Health Insurance Program (CHIP).
You may sign up for coverage at www.healthcare.gov. This is the main website for individuals to apply for coverage.
You are considered to have coverage if you have Medicare, Medicaid, CHIP, any job-based plan, any plan you bought for yourself, COBRA, retiree coverage, TRI-care, VA healthcare and some other types of plans.