Keep Your Credit Healthy Receiving a big medical bill that you can't afford is scary, but there are resources available to help. Find out what financial assistance the hospital can offer and research alternatives such as state assistance and private organizations. Talk to the hospital's billing department about other options for paying your medical bill , such as working out a payment plan. Paying a medical bill can take a long time, especially if insurance or charitable sources take a while to pay.
Keep an eye on your account and stay in touch with the hospital to make sure everything is progressing smoothly. Regularly check your credit report and score during the process to ensure they aren't suffering. Whatever you do, don't ignore a medical bill and hope it goes away. Taking action ASAP can help protect your credit score. Until now, those payments did not positively impact your score. The purpose of this question submission tool is to provide general education on credit reporting.
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All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website. Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.
Advertiser Disclosure: The offers that appear on this site are from third party companies "our partners" from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products. Main Line Health will also publish and widely publicize a summary of this financial assistance policy on facility websites, in brochures available in patient access sites and other places within the community served by the hospital as Main Line Health may elect.
Such notices and summary information will be provided in the primary languages spoken by the population serviced by Main Line Health. Referral for charity care and financial assistance may be made by any member of the Main Line Health staff or medical staff, including physicians, nurses, financial counselors, social workers, case managers, chaplains, and religious sponsors.
A request for charity care and financial assistance may be made by the patient or a family member, close friend, or associate of the patient, subject to applicable privacy laws. In implementing this policy Main Line Health management and facilities shall comply with all other federal, state and local laws, rules and regulations that may apply to activities conducted pursuant to this policy.
Individuals may contact the Main Line Health Business office at Please download and view the PDF of the complete charity care and financial assistance policy for access to the following schedules:.
Working together to serve the community Main Line Health is committed to providing charity care and financial assistance to persons who are uninsured, underinsured, ineligible for a government program, or otherwise unable to pay, for medically necessary care based on their individual financial situation. Financial assistance Financial assistance is provided to patients who are uninsured for the relevant service and who are ineligible for governmental or other insurance coverage, and who have family incomes in excess of percent, but not exceeding percent, of the Federal Poverty Level.
Uninsured patient An uninsured patient that has no health insurance from any source for specific services, inpatient or outpatient, furnished by any provider. Federal Health Care Program Any health care program operated or financed at least in part by the federal, state or local government is a federal health care program.
Medical savings account A Medical savings account or MSA is an account into which tax-deferred dollars from income can be deposited. Insurance subrogation Subrogation in the health care context, is the recovery, from a third party, of medical costs that were originally paid by a benefits plan. Eligibility Any person who does not have insurance or does not have the ability to pay all or part of their financial responsibility to Main Line Health for Main Line Health provided services is eligible for charity care and financial assistance.
Eligibility determination Inpatient admissions: Once a patient is identified who may be eligible for charity care and financial assistance, Main Line Health personnel shall provide the patient with the Main Line Health Charity Care and Financial Assistance Application.
Presumptive charity care eligibility There are instances where a patient may appear eligible for charity care, but supporting documentation is lacking or unavailable. The basis for the amounts Main Line Health will charge patients qualifying for charity care or financial assistance is as follows: Patients with family income percent below the Federal Poverty Guidelines supported by the appropriate documentation as determined by the Main Line Health Patient Accounting Department, will be eligible for percent Charity Care.
Patients with family incomes in excess of percent, but not exceeding percent, of the Federal Poverty Guidelines will qualify for Main Line Health Financial Assistance.
Patients must sign a written agreement to pay the balance remaining after deducting the discount. The patient will receive a bill showing charges, the amount of the discount and the balance due using Medicare Reimbursement Rates.
Physician and other services provided by outside providers, excluding Main Line Health Care physicians, are not covered by this policy unless identified in Schedule D. Patients seeking a discount for such services must contact the physician or outside provider directly to seek assistance. However, in normal circumstances, such cooperation should not be a precondition to the receipt of medically necessary treatment, especially emergency care.
Under no circumstance will Main Line Health engage in actions that discourage individuals from seeking emergency medical care, such as by demanding that emergency department patients pay before receiving treatment for emergency medical conditions or by permitting debt collection activities that interfere with the provision, without discrimination, of emergency medical care.
For all other Medically Necessary Outpatient services, including observation care, a discount of 40 percent off total charges will be applied. Communication of the Charity Care and Financial Assistance Program to patients and within the community Notifications about the availability of charity care and financial assistance from Main Line Health, will be disseminated by Main Line Health by various means which may include, but are not limited to, the publication of notices in patient bills and by posting notices in emergency rooms, in the Conditions of Admissions form, admitting and registration departments, and patient financial services offices that are located on facility campuses, and at other public places as Main Line Health may elect.
Regulatory requirements In implementing this policy Main Line Health management and facilities shall comply with all other federal, state and local laws, rules and regulations that may apply to activities conducted pursuant to this policy. Please include as much detailed information as possible regarding the identity and circumstances of the individuals and hospitals involved in the suspected fraud. Email : Charity.
Care-Fraud doh. We welcome your questions or concerns regarding fraud, and encourage you to contact us using this form. If you are reporting a suspicion of fraud, please include as much detailed information as possible regarding the identity and circumstances of the individuals and hospitals involved in the suspected fraud.
Shereef Elnahal, M. Commissioner P. Box Trenton, NJ Healthy NJ Chronic Disease Prevention Plan New Jersey is home to over 2, licensed hospitals, nursing homes, and medical care facilities.
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