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Billing Policies, Financial Assistance Program

Billing Policies, Financial Assistance Program

When the health and well-being of you or your family are at issue, insurance should be the last thing on your mind. But too often, we're overwhelmed with fears of enormous out-of-pocket expenses or being unable to pay for the care that we need. That's why Rochelle Community Hospital accepts a variety of health plans to meet your unique healthcare needs - so you can stop worrying and start getting better.

 

Insurance Plans Contracted with Rochelle Community Hospital

  • The Alliance
  • Blue Cross of Chicago
  • CCN
  • CAPPCARE/Beechstreet
  • Champus/TriCare
  • ChoiceCARE
  • CIGNA/State of Illinois Only
  • Coventry/PersonalCare and PersonalCare Medicare Advantage
  • DeKalb County Healthcare
  • ECOH
  • HFN
  • Health Network
  • Humana Health Plan
  • Humana Medicare
  • Physicians Care Network (PCN)
  • Preferred Health Network
  • SwedishAmerican Health Alliance
  • United Health Care

Please contact your insurance provider prior to scheduling services to verify coverage.

For additional information concerning your specific health plan's access to RCH, contact Doris Dickey at 815-562-2181, ext. 1620 or via e-mail at DDickey@rcha.net.

In the meantime, the following policies and guidelines should be helpful:

Medicare Deductibles and Coinsurance

Part A - Hospital Insurance 

  • Services Furnished Beginning January 1, 2013
  • Deductible $1,184.00
  • Coinsurance 61st-90th $296.00
  • Lifetime Coinsurance 60 Days $592.00
  • Skilled Nursing Facility Coinsurance  21st-100th Days $148.00

Part B - Medical Insurance

  • Deductible $147.00

The hospital will be responsible for submitting bills to your insurance company if you provide us with the necessary information. We will do everything possible to expedite your claim. But you should remember that your insurance policy is a contract between you and your insurance company, and you have the final responsibility for payment of your hospital bill.

Approximately 60 days after your service, and every 30 days thereafter, you will receive a monthly statement. This statement will show your beginning balance and any payments. If no payment is received from your insurance within 60 days from billing, we ask that you contact your insurance and pay on the charges yourself. 

There is no charge for either the telephone or the television, these are provided as a courtesy to all patients.

Group/Private Medical Insurance

We will need a copy of your insurance identification card. Depending on the extent of your coverage and deductible requirements, you may be asked to pay a deposit. If your insurance card indicates a per visit co-pay is due, our staff will ask for your payment on the day of services. You will be asked to assign the benefits from the insurance company directly to the hospital.

Your insurance plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. Many insurances now require pre-authorization for outpatient diagnostic testing such as MRI and CT. It is your responsibility to make sure the requirements of your plan have been met. If requirements are not met, you may be financially responsible for all or a larger portion of the bill. For questions concerning insurance, call 815-562-2181, ext. 1320 or 1600.

Medicare Coverage

The Health Care Finance Administration (Medicare) has strict guidelines about paying for healthcare services. Upon admission you will be asked to complete a survey from Medicare that helps identify any primary payors that should be billed prior to Medicare. We will need a copy of your Medicare card to verify eligibility and process your claim. You should be aware that the Medicare program excludes payment for certain items such as cosmetic surgery, personal comfort items and oral medications given to an outpatient or take-home medications. Deductibles and co-payments also are the responsibility of the patient. After Medicare pays, we will bill any supplement policies you may have. If you have questions concerning Medicare, please call 815-562-2181, ext. 1320 or 1230.

Medicaid Coverage

We will need a copy of your medical card to successfully bill the State of Illinois for your services. Medicaid also has payment limitations on some services and co-payments may be billed to you. Those patients seeking financial aid may stop at the Business Office or call 815-562-2181, ext. 1600. We will assist you in starting an application process for medical assistance.

Patients With No Medical Insurance

Consistent with the mission of Rochelle Community Hospital, we are committed to providing medically necessary services to our patients. For those patients without insurance benefits, we are able to set up a limited payment plan with you. If you feel you may need assistance in paying for your services, the business office may assist you with other options. Please contact our business office at 815-562-2181, ext. 1600 to request additional information.

Financial Assistance

Qualified patients may apply for financial assistance.  The hospital will ask for information about your income and ask you to complete and sign a short form. Eligibility is determined by reviewing and verifying family income and size.  If you would like additional information about this program, please contact the business office or you may download the attached file (click on Financial Assistance Application below), complete and sign the form and return it to our offices.

Rochelle Community Hospital has contracted with an outside vendor to better serve our patients in resolving their self-pay balances.  Monthly statements and telephone calls may be received from our billing and collection agency.  They are committed to assisting our patients to the same extent as our in-house staff personnel are.  If you have any questions about the invoices or telephone calls you receive on our behalf, you may contact the number on your statement or our business office for clarity.

Payment Options

For your convenience, we have established a number of ways you may make payments on the bills you owe at Rochelle Community Hospital. These include: cash payments, personal check and credit card (MasterCard and Visa). If you know you will have trouble paying your bills at the hospital, please contact the credit department at 815- 562-2181, ext. 1600 to make special arrangements.

Physician Billing

The billing you receive from the hospital will be for hospital services only. You may receive bills from physicians who assisted in your care whom you did not see in person. These bills are for professional services rendered by these doctors in diagnosing and interpreting test results while you were a patient. These physicians are required to submit separate bills. Some of these physicians may not participate in the same insurance plans as the hospital. You may have a greater financial liability for out-of-network services. Benefit questions should be directed to the patient's healthcare plan and subscriber's certificate of coverage. If you have a question about these bills, please call the number printed on the statement you receive from them.

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