Patient Billing

Regional Medical Center Billing and Collection Cycle

Your Account with
+Regional Medical Center

Payment for Health Care Services
OUR COMMITMENT TO YOUR CARE

We are committed to providing the finest, most comprehensive care to thousands of patients each year. Regional Medical Center (RMC) utilizes the skills of highly qualified physicians and health care providers along with the latest medical equipment and technology. To continue our tradition of medical excellence and compassionate care, we must be diligent in our efforts to receive payment for services, while remaining sensitive to the needs of those who are unable to pay.

OUR RESPONSIBILITY

We will file your bill with your insurance company or the appropriate Medicare/Medicaid agency.

YOUR RESPONSIBILITY

As a patient of RMC, we can better serve you by knowing how you plan to pay for your medical services or how we may guide you in applying for financial assistance. Your responsibility is to cooperate by providing your personal data (current address and phone number) and providing your insurance information including Medicare and Medicaid coverage prior to receiving services as well as providing a copy of your insurance card. Once we have received payment from your insurance company or the appropriate Medicare/Medicaid agency, you will be responsible for all co-payments, deductibles and amounts that are not covered and that have not been paid prior to or at the time of service.

PROFESSIONAL CHARGES

The professional component (physician charges) will be billed separately from your hospital bill. Some physician specialists may not participate in your health care plan and their services may not be covered. Please contact the physician’s office to verify if they are in your network.

EMERGENCY ROOM

You will receive several bills when you come to the Emergency Room (ER). These could include a bill from the hospital, a bill from the emergency room physicians and/or a bill from any other specialists or providers who may have been involved in your emergency care.

DEPOSITS/TIME OF SERVICE PAYMENTS

RMC requests that you pay any co-pays, deductibles, or co-insurance amounts at the time of service for any outpatient, inpatient or emergency room visits. If uninsured, a deposit will be requested at the time of service. Payment is required in advance for all procedures that are considered cosmetic. You may pay by cash, check, or a major credit card.

ESTIMATING CHARGES AND PATIENT PORTION RESPONSIBILITY

At your request, RMC will provide quotes of estimated charges for pending services as a courtesy to you. These estimates may be written or conveyed verbally to you and will help provide financial knowledge and collection of the appropriate deposits/co-pays or co-insurance prior to or at the time of service. Because many factors may affect the final charges, it is only an estimate of the cost of services to be provided.

PAYMENT ARRANGEMENTS

When receiving non-emergent services, we ask that you make payment arrangements in advance. RMC has partnered with Healthcare Financing of America (HFA )to provide you with 0% APR financing with no fees on eligible medical bills.

FINANCIAL COUNSELING

A budget plan is required if you are not able to pay your account balance in 120 days from the first statement you receive. Establishing payment arrangements will prevent your account from going to external collections as long as you make your scheduled payments. After receiving a statement, call our customer service department at 800-396-5915 for assistance.

MEDICAID

You may qualify for medicaid benefits (also known as Healthy Connections or Title 19). To find out if you qualify, or if you have questions about your medicaid benefits, please contact the onsite DECO representative at 803-395-2539.

HEALTHCARE FINANCING OF AMERICA

RMC has partnered with HFA for patient billing and payment processing. HFA is dedicated to providing you with convenient payment options. Please call 803-809-3883, 800-905-5731 or go online to www.hfaloan.com/rmc to access your account.

DECO RECOVERY MANAGEMENT

If you are uninsured you may be contacted by a representative from DECO, an agency contracted with RMC for the purpose of helping patients file for public assistance. The time frame to apply for medical assistance is extremely limited. Please call 803-395-2539 or 803-395-2079 within 48 hours of your hospital visit to avoid any loss of medical assistance you may be eligible to receive. There is no charge to you for this service.

INSURANCE TERMINOLOGY

Insurance terminology you will hear when visiting your medical provider.

  • Deductible
    • A deductible is the amount you pay for health care services BEFORE your health insurance begins to pay. For example, if your plan has a $1,000 deductible, then you will pay $1,000 out of your pocket to fulfill the deductible. Once you meet that amount you will share the cost with your insurance company, which means you will pay co-insurance and co-pays. Remember, deductibles start over every year.
  • Co-Insurance
    • Co-insurance is your share of the costs of a health care service. It is figured as a percentage of the amount charged for the service. You will pay your co-insurance after you have met your plan’s deductible. For example, if you visit your doctor and the exam is $90, you have already met your deductible of $1,500. Your plan covers 80% of the exam and you will be responsible for 20%. 20% of $90 is $18. $18 will be your co-insurance for the $90 visit.
  • Co-Pay
    • Co-pay is a fixed amount you pay for health care services when you receive the services. For some services you, may have both a co-pay and co-insurance.

Why are there so many medical bills?

Professional services and facility services are two different bills. For example, if you have an x-ray at the hospital, you will get a bill for the facility charge (RMC), for the x-ray itself, you will get a bill from the radiologist (the doctor who reads your x-ray), which is the professional service bill. Another example is billing anesthesiology. You will get a bill from the hospital for the facility charge and you will get a bill from the anesthesiologist for putting you to sleep during your procedure.

CONTACT US
Phone: 800-905-5731
Web: www.trmchealth.org