Frequently Asked Billing Questions
Insurance Coverage and Payment
You may have questions about your financial responsibility and what exactly your insurance may cover. Below are the most common questions patients ask about their insurance coverage and clear, simple answers to them. By giving you a summary of your financial rights and responsibilities, we hope you can concentrate on the most important part of your hospital stay ... getting better.
Question: Do I need to let my insurance company know that I am in the hospital?
Answer: Many changes have taken place in the health insurance industry in recent years. Procedures and services once covered in full are now only partially covered, covered only under certain circumstances, or in some cases, not covered at all.
Since every insurance plan is different, please be sure to check your coverage and ask questions. You can contact your insurance plan directly, or contact your employer for more information.
Your insurance plan can deny payment for services or procedures even after they have been completed. Many health maintenance organizations (HMOs) and insurance plans now require pre-admission notification, approval or second opinions for certain procedures.
For your own peace of mind, we recommend you know the benefits of your individual plan. Not following your insurance company's rules could result in a larger financial responsibility for you.
Question: Does the hospital need a copy of my insurance card?
Answer: Yes. Your insurance card contains information we need to file a claim with your insurance on your behalf. Your registration process goes much faster when you bring your insurance information with you.
Question: When do I have to pay my co-payment and deductible?
Answer: You are expected to pay your plan-required co-payment, estimated co-payment and/or deductible prior to leaving the hospital. Banner hospitals accept cash, personal checks, VISA, MasterCard, Discover Card and American Express.
Question: Will the hospital bill my insurance company for me?
Answer: Yes. The hospital will, as a courtesy to you, send your insurance company a bill for services you incurred as a patient. It is important to remember, however, that the hospital relies on you for settling your account in full regardless of your insurance coverage. Your insurance policy is an agreement between you and your health insurance carrier.
Question: Are my physician's charges incorporated in my hospital bill?
Answer: No. Your physician's bill is separate from the hospital bill. You will receive separate bills for medical services performed by other contracted professional medical personnel. For example, care providers such as radiologists, pathologists and anesthesiologists may work at the hospital, but do not work for the hospital. Please contact their private offices with questions about their bills.
Question: What if I am having difficulties paying my co-payment or deductible?
Answer: Our Patient Financial Representatives are available to assist you. Please contact your hospital's Business Office to discuss options that might be available to you.
Question: What if I do not have insurance?
Answer: Patient Financial Representatives in the Business Office can discuss payment arrangements with you.
Question: Am I eligible for other health benefits?
Answer: Banner Health partners with a non-profit organization called BenefitsCheckUp that helps thousands of people find programs for those 55 and older. These benefits may pay for some costs of prescription drugs, health care, utilities, and other essential items or services. To check benefits available in your area, look for the medical & Rx assistance icon on your hospital's web page or go to http://www.benefitscheckup.org/.
Question: Can I pay my bill online?
Answer: Yes. Online billing services are provided via BestBill®. Read more about the FMH/DC billing program.
Question: Who do I call if I have questions about my bill?
Fairbanks Memorial Hospital - (907) 458-5510
Denali Center - (907) 458-5100
Important Terms and Definitions
We've provided a glossary of billing terms to answer questions about billing terminology.