Insurance Coverage

Your insurance plan may require multiple copays, higher deductibles, and coinsurance. Coverage will depend on the type of plan you have chosen.

Black River Memorial Hospital participates in a variety of health plans. You can learn the details of your policy by visiting your insurance company's website or contacting its customer/member services department. The back of your insurance card should include the phone numbers and website addresses you'll need.

Questions to ask your insurer:
  • Is my hospital service covered completely? If not, how much will I be expected to pay?
  • If I need tests, will they be covered completely? If not, how much will I be expected to pay?
  • If I need a procedure, including surgery, how much will my insurance cover? How much will I be expected to pay?
  • Will I need authorization before my health care visit?
Get Help

Black River Memorial Hospital's patient financial advocates can answer questions
Monday - Friday
8:00 AM to 4:30 PM

Call us at 715-284-3691 or 715-284-1368 or email us via our contact page.

If you need financial assistance to help pay your bills, click here for more information.

Black River Memorial Hospital is IN-NETWORK with these plans:
  • 3PAdministrators, PPO
  • Advocare - Medicare Advantage Plan
  • Auxiant
  • Benefit Plan Administrators
  • Blue Cross Blue Shield (Anthem BCBS & Federal BC)
  • Cofinity
  • CIGNA
  • CorVel Healthcare Corporation
  • Custom Benefit Administrators
  • Family Health Center
  • Group Health Cooperative of Eau Claire
  • Gundersen Health Plan
  • Health Traditions
  • HealthEOS by Multiplan, Inc.
  • HealthPartners, Inc.
  • Humana Gold - Medicare Advantage Plan
  • Interplan Health Group
  • Marshfield Clinic (Family Health Center)
  • Medica
  • Medicare
  • MMSI
  • Quartz Health Solutions, Inc.
  • Security Health Plan of Wisconsin, Inc. (Includes Family Health Center and Advocare)*
    •  *Policy specific - please verify with the phone number on your card
  • Southwest Family Care Alliance - Medical Assistance
  • Three Rivers Provider Network, Inc.
  • TRICARE / HealthNet Federal Services
  • UCARE Minnesota - Medical Assistance & Medicare Advantage
  • United Health Care
  • Unity Health Insurance
  • WEA Insurance Corporation
  • Western Wisconsin Cares Managed Care Organization
  • Wisconsin Physicians Service (WPS) Insurance Corporation

Note: We do not have a contract with Tri-Care Champus; however, we are considered a non-network participating provider and authorized to provide care.

Do you need insurance?

Check out the Marketplace.

Other options for low-income households:

OUT-OF-NETWORK Coverage

If your health insurance plan does not appear on the list above, you may still be seen by a Black River Memorial provider; however, you must:

  • Use your out-of-network benefits
  • Contact a patient advocate to make arrangements prior to your service
  • Pay for your services in full when you receive them
  • Complete the appropriate paperwork as required by your insurance company
  • Ask your insurance company to reimburse you
Questions Regarding In-Network Coverage

Some managed care plans have a number of provider networks they partner with, so if you have questions about whether your plan is considered "in-network" with Black River Memorial Hospital, please contact your insurance carrier. 

Words to Know

Coinsurance: a term in a policy, where the insured person and the insurer share the covered charges under a policy in a stated ratio. For example: A certain medical procedure is covered 80 percent by the insurance company and 20 percent by the insured.

Copay: a small fixed amount required by a health insurance company to be paid by the insured for each outpatient visit or drug prescription. For example: Your doctor prescribed a medication that costs $50. The copay assigned by your health insurance company is $20. You will pay $20 and the insurer will pay the remaining $30 for the $50 prescription. A generic version may save you money, as copays for generic medication can be much lower than brand names.

Deductible: the amount for which the insured is responsible for on each loss, injury, etc, until satisfied, before an insurance company will make payment: For example: The deductible on his medical coverage has been raised from $2000 to $5000 per family per year.

Premium: The amount paid by a policyholder to keep an insurance policy in force, usually monthly. Sometimes the premium is paid for by the insured's employer or a portion is paid by the employer and a portion is paid by the insured.

Policy: The legal document issued by an insurance company to a policyholder, which outlines the conditions and terms of the insurance.

Insurance Disclaimer:
Insurance companies, carriers and plans that are accepted by Black River Memorial Hospital are listed here for your convenience. Insurance plans, coverage and contracts change frequently and, although we strive to keep our website up to date, the most recent changes may not be reflected here. It is your responsibility to verify with your insurance carrier that your plan will cover medical services provided by Black River Memorial Hospital providers.

Some of the insurance companies we contract with do not consider Durable Medical Equipment, Home Health or Hospice as covered services. Please check directly with your carrier to confirm your coverage.



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