Payment Options

Confused by Medical Bills

Rooks County Health Center’s Business Office offers guidance to help alleviate anxiety often associated with the intricate processes of medical billing. Questions are welcomed and encouraged. Let RCH’s trained professionals help you navigate the opportunities and resources available with regard to your medical bills. For your convenience, RCH’s billing department is divided into three areas of expertise:

Blue Cross Blue Shield & Medicare

785-688-4446

Other Commercial Insurance, Medicaid, Auto Insurance, Work Comp

785-688-4447

Self Pay Payments & Payment Arrangements

785-688-4412

Payments can be sent to:
Rooks County Health Center
P.O. Box 389
Plainville, KS 67663

Payments can be accepted over the phone:
785-688-4412

How can I save time and money regarding my medical bills?

RCH’s billing professionals can help you be proactive regarding medical expenses. You should always carry current insurance cards and photo identification with you and present them at each visit. RCH scans your insurance card for proper claim submission to your insurance provider. Always be prepared to verify and update personal information and notify RCH of any changes in your insurance for the best results. Prior to visiting RCH for the first time, you should contact your insurance carrier to ask if RCH is considered one of their “network providers” (for further explanation, read “Does RCH accept my insurance?”).

When am I expected to pay for services?

RCH does not require a payment before your hospital visit or upon discharge. Depending on the services provided, it can take several weeks before you receive a summarized bill showing details and the amount owed less any amount paid by an insurer or other agency. If the summarized bill is paid in full within 30 days of the statement date, you will receive a 25% discount as indicated on the bill.

Why do I sometimes receive more than one bill for the same date of service? How do I tell them apart? Who do I contact if I have questions?

Multiple statements occur for a variety of reasons and are inherent to the process of medical billing. Physicians, surgeons, radiologists, pathologists and other specialists bill you separately for their services as it is common that these specialists are contracted by multiple hospitals versus being employed by one. If you have a question about a bill, refer to the name on the statement itself to know who to call for more information.

Does RCH accept my insurance?

Yes, all insurance carriers are accepted by RCH. However, it is in your best interest to learn from your insurance carrier if RCH is considered one of their “network providers”. If your insurance carrier considers RCH outside of their network, contact RCH’s billing department to see if RCH can be included. The benefit of working with a medical provider that is designated as a “network provider” by your insurance carrier can translate into fewer out-of-pocket expenses passed onto you as the patient. RCH also provides a courtesy pre-certification service with regard to major medical procedures such as an MRI, CT Scan, radiology tests or surgery to ensure your insurance will cover the procedure.

If I have insurance, what is my responsibility?

Each time you receive services from the hospital, RCH requests your insurance card for proper claim submission to your insurance provider. After your insurance carrier has paid its portion of your bill, RCH sends you a summarized bill asking for the remaining balance not covered by insurance. If you pay this balance in full within 30 days of the statement date, you will receive a 25% discount as indicated on the bill. If you prefer to pay monthly on the account balance versus paying it in full, call 785-688-4412 to make payment arrangements.

How can I get on a payment plan if I can’t afford to pay my bill all at once?

Call 785-688-4412 for payment arrangements. Financial assistance is available for those who qualify, and RCH can assist in directing you to a number of resources.

What if I don’t have insurance?

If you do not have health insurance coverage, you are responsible for the account balance on the summarized bill once it arrives. If you are unable to pay immediately, a flexible payment option is available by calling 785-688-4412. Financial assistance is also available for those who qualify, and RCH can assist in directing you to a number of resources including helping you to become insured through the Marketplace, see below.

Need Health Care? Apply for Private Health Insurance.

RCH offers counseling services to complete applications for private health insurance coverage. Plans are available for everyone and cover essential health benefits, pre-existing conditions and include preventative care. Visit with RCH’s Certified Application Counselor:

Cricket Rice
crice@plainville.hpmin.com 
(785) 688-4443
Hours: Monday – Friday 8 a.m. to 4 p.m.
Available after hours by appointment.

Step 1: Complete Application

RCH’s Certified Application Counselor offers full-service assistance to complete your application from the beginning or even partially completed applications you may have started and left unfinished. Once the application is completed, you can immediately shop the insurance Marketplace. No one can be denied coverage. Based on your income you will learn if you qualified for premium tax credits and savings on out-of-pocket costs. With these budgetary items known, you can now pick your plan. (See example.)

Step 2: Pick a Plan

You have the freedom to select the coverage you want based on your needs. Some plans offer low monthly payments and have higher deductibles/co- pays while others offer lower deductibles/co-pays with higher monthly premiums. The choice is yours.

Step 3: Coverage Begins

Coverage can begin as early as 15 days depending on date of enrollment. Those enrolled by the 15th of the previous month receive coverage sooner than those who enroll after the 15th of the month.

Example:

A 28-year-old female, nonsmoker with an annual income of $22,000 selects a plan with 50% coinsurance and a $6,500 deductible. Her selected plan will cost her $289 per month. If she does not qualify for subsidies, she would purchase her selected plan at the original rate of $289. However, in this case her income may potentially qualify her for subsidies in the amount of $270, making her monthly payment $19.

When to apply:

Open Enrollment National open enrollment is typically held in the fall for the following calendar year beginning January 1. Visit healthcare.gov for this year’s open enrollment dates. Special Enrollment Enrolling in private health insurance outside of the designated open enrollment period requires a life changing event to qualify. Examples of life change events include, but are not limited to:
  • Marriage / divorce
  • Becoming pregnant / having a baby / gaining or losing a dependant
  • Moving out of state
  • Change in disability status
  • Change in employment / income
  • Change in health coverage through employment or other program

    Open enrollment for 2018 coverage is November 1, 2017 to January 31, 2018. Special enrollment outside of these dates is available if you’ve had a life changing event that qualifies as listed above. 

What is needed to apply:

  • Home and/or mailing addresses for everyone applying for coverage
  • Social Security Numbers
  • Employer and income information for every member of your household (for example, from pay stubs or W-2 forms)
  • Other forms as necessary based on legal residence, income and employer based programs
Visit with RCH’s Certified Application Counselor for a complete list or go online healthcare.gov.
Nita Dunning
Business Office and Patient Account Manager

Monday – Friday
8 a.m. to 4:30 p.m.

785-688-4412

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