Billing & Insurance

INSURANCE AND BILLING

Healthcare billing, insurance and Medicare can be very confusing. At Black River Memorial Hospital, we strive to make the process as easy and patient-friendly as possible. Our Fiscal Services Department is happy to assist with any billing or insurance questions. Please call the appropriate number listed below:

The Fiscal Services office hours are Monday through Friday, 7 a.m. to 4:30 p.m.

BILLING AND COLLECTION POLICY

View our billing and collection policy

INSURANCE

View Insurances in our network »
View information about the health insurance Marketplace »

MEDICARE/MEDICARE ADVANTAGE/MEDICARE HMOS

Black River Memorial Hospital will bill Medicare for your services. If you present supplemental insurance at the time of registration, we will file your insurance for any balance that was not paid by Medicare. You will receive a monthly statement for any personal balance not covered by Medicare or your insurance.

MEDICAL ASSISTANCE

Medical assistance cards are required at the time of registration. This is a state regulation, and if you do not show your card the charges could become your personal obligation. There is a daily co-payment for hospital services.

INSURANCE AND HMOS

Black River Memorial Hospital participates in many of the Managed Care Plans offered in our area. Some insurance plans may require a referral or pre-authorization for certain tests or procedures. It is your responsibility to understand the requirements of your plan. If you have any questions about your policy, contact your insurance company's customer service department.

The Fiscal Services Department will bill your insurance company as a courtesy to you if complete billing information was given at the time of registration. We will make every attempt to resolve any billing issues with your insurance company; however, if you receive a statement and our billing office has exhausted all efforts for payment of your claim, you will be responsible for the balance of your account.

PATIENT BALANCES

For charges not covered by insurance, we accept cash, personal checks, Visa, MasterCard and Discover. You can pay your bill online. We also can set up a payment plan for your convenience. A Patient Financial Advocate is available Monday through Friday to answer any questions you may have. Please call 715-284-1368 or 715-284-3691 to schedule an appointment.

Financial Assistance

Patients who are unable to pay for their hospital services should apply for the hospital's Financial Assistance Program. This program uses Federal poverty guidelines in determining eligibility as well as household income, size of family, debt, and financial resources of the household. Please contact a Patient Financial Advocate at 715-284-1368 or 715-284-3691 to schedule an appointment.

STATEMENTS

Statements are prepared and mailed out monthly. E-statements are also available. Sign up here. If you have any questions regarding your statement please call 715-284-5361 and ask to speak with a Financial Services Representative. Detailed bills are available by request.

INSURANCE & BILLING FAQ

Q: Who is responsible for paying my hospital bill?

 The hospital will bill your insurance company directly (unless you specify otherwise). You are ultimately responsible for making certain that your bill is paid.

Q: Who should I contact if there is a change in my insurance, address or telephone number?

A: Any changes should be communicated to the Fiscal Services Department by calling 715-284-5361.

Q: How do I know if you billed my insurance?

A: Your monthly statement will indicate when your insurance was filed, if payment was received or pending, and any remaining amount you owe Black River Memorial Hospital. Please call the Fiscal Service Department at 715-284-5361 if you need assistance.

Q: Who do I contact to set up payment arrangements on my hospital bill?

A: Black River Memorial Hospital has Patient Financial Counselors who will be happy to assist you. Please call 715-284-1368 or 715-284-3691 to discuss any billing arrangements.

Q: What questions should I ask my insurance company?

A: You should ask your insurance company any questions you have. It is important to make sure you understand your insurance coverage before you receive treatment. Some questions you may want to ask your insurance company include:

  • Do I need a referral or prior authorization for this hospital visit?
  • Why did you deny my claim?
  • Is Black River Memorial Hospital covered by my insurance plan?
  • Is this service covered under my insurance plan?
  • What are my out of pocket expenses for which I am responsible?
  • Do you offer coinsurance?
  • What is my deductible?
  • Are there any services or supplies that are not covered?

Q: I was a patient at Black River Memorial Hospital. Why am I receiving bills from Gundersen Lutheran and Sacred Heart Hospital?

A: Black River Memorial Hospital does not staff a radiologist or pathologist. These services are contracted through Gundersen Lutheran and Sacred Heart. Black River Memorial Hospital is contracted to bill for radiology services for most patients; however, if you have Medicare, Medicaid or other federally-funded plan (i.e., TriCare/Champus), you will likely receive a bill from Gundersen Lutheran Radiologists. If you receive any services that require a pathologist you will likely receive a bill from Sacred Heart. Your insurance information is provided to the contracted facility at the time of service.

Q: I have an appointment at Black River Memorial Hospital to see a consulting provider. BRMH is in my HMO Network, but the outreach provider is not. Will my services be covered by insurance?

A: Consulting provider's charges are billed from the facility at which that provider works, not by Black River Memorial Hospital. If the outreach provider is considered out-of-network by your insurance plan, your charges will be covered according to the out-of-network guidelines of your policy. As long as Black River Memorial Hospital is in your network, any charges billed from us for hospital services will be paid as in-network. If you have questions about what providers are in your network, it is best to contact your insurance company or the outreach provider's facility prior to your appointment.

Q: How do I get a cost estimate?

A: Cost estimates may be obtained from a member of the Revenue Cycle Department at 715-284-1375 or 715-284-1368. Requests for price estimates are reviewed by BRMH's Revenue Cycle Department during normal business hours and are generally responded to within five business days.

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