Insurance
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 785-688-4407 to make payment arrangements. This does not apply to RCH Clinics.
Monday – Friday
8 a.m. to 4:30 p.m.
How can I get on a payment plan if I can’t afford to pay my bill all at once?
Call 785-688-4407 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 785-688-4407.
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:
Anissa Stewart
anissa.stewart@rch.health
785-688-4407
Available by appointment only.
Step 1: Complete Application
RCH’s Certified Application Counselor offers full-service assistance to complete your application. Application results are immediate and no one will be denied coverage based on pre-existing conditions. Your income will determine if you qualify for premium tax credits and savings on out-of-pocket costs. With these budgetary items known, you can now pick your plan.
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 qualifies her for subsidies in the amount of $270, making her monthly payment $19.
When to apply:
Open Enrollment is typically held in the fall for coverage beginning on January 1 of the following year. Visit healthcare.gov for this year’s open enrollment dates. Special Enrollment 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 dependent
Moving out of state
Change in disability status
Change in employment / income
Change in health coverage through employment or other programs
Open enrollment for 2023 coverage is November 1 to January 15, 2023. 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 to healthcare.gov.
