For the convenience of our patients, RHSHC has installed a secured drive-up dropbox for those who would prefer to drop off their bill payment. It is located near the main entrance (east side) of the hospital.
Financial Responsibility and Your Medical Bill
Hospital Services: 563-547-2101
Cresco Clinic: 563-547-2022
Lime Springs Clinic: 800-593-5463
Community Health/DME Services: 563-547-2989
Our Commitment to You
Welcome to Regional Health Services of Howard County (RHSHC). We appreciate the trust you have placed in our organization, physicians, and staff by choosing us for your health care needs. We are committed to providing you with quality health care services while fulfilling our mission to promote, preserve, and protect the health of the residents of Howard County and its surrounding areas.
Financial Responsibility Rests With You/Filing Insurance
Financial responsibility for services obtained at RHSHC rests with the patient/family regardless of insurance coverage. We will process your insurance claims, however, it is the insurance company that will determine eligibility and coverage issues. You may be required to pay deductibles, co-pay, co-ins, or non-covered items. We participate with many insurance companies; however, we encourage you to check with your insurance company to be sure we are participating before receiving services.
RHSHC is committed to working with consumers, payers, and policymakers on developing the best solutions for achieving price transparency goals. For our patients to understand their potential financial liability for hospital services, we are making our hospital charges available to patients. Hospital charges vary based on the type of care provided. The price can differ from patient to patient for the same services. The price will be different for complications or different treatments for the patient’s personal health condition. Patients also may qualify for financial assistance.
Understanding health care terminology around price poses significant challenges for patients. If you ask a group of people to define what “price” is, it is likely you will get a variety of answers. Below are definitions to help frame understanding on this issue:
- Charge: The dollar amount assigned to specific medical services before negotiating any discounts from payers. The charge is different from the price. Very few patients pay the charge regardless of their insurance status and, therefore, this data is not meaningful to people.
- Price: The negotiated and contracted amount to be paid to providers by payers (also called the “allowed amount”). A patient’s out-of-pocket liability for health care services is based on this allowed amount. Note that the price for a given service varies by insurance plan, as these are separately negotiated by plan/employer.
- Out-of-Pocket: Portion of the price for medical services and treatment for which the patient is responsible. This includes copayments, coinsurance, and deductibles.
- Cost: The definition depends on the cost being referenced: To the provider, the cost is the expense incurred to provide health care to patients. To the employer, the cost is the expense related to providing health benefits. To the insurance plan, the cost is the price paid to the provider. To the patient, the cost is the out-of-pocket fees.
We support price transparency and believe it is important for you to know what out-of-pocket costs you will incur for services provided at Regional Health Services of Howard County. We have established two easy ways for you to obtain an estimate of your costs – call or click:
- Call the Director of Business Office at 563-547-6383 for a price estimate or to find out if you qualify for financial assistance. The following will be reviewed: 1) the specific service or procedure you will receive; 2) the physician providing the service; and 3) your insurance, including what you have already paid towards your deductible.
- Click: The information contained in this file is being provided in compliance with the Centers for Medicare and Medicaid Services (CMS) requirement [FY 2019 IPPS/LTCH PPS Final Rule; CMS-1694-F] for hospitals to post a list of their standard charges online in a machine-readable format. By clicking to download this information you agree you have read and understood the following:
- The information contained in the file is current as of the last upload. Charge information is subject to periodic changes and the file will be updated as soon as practically possible to reflect such changes.
- The file contains both the charge amount and the charge description of the item or service as reflected in the hospital’s chargemaster (CDM).
- A charge represents the dollar amount assigned to specific medical services before the application of any negotiated discounts to third-party payers. The actual hospital charges will vary based on the type of care provided, treatments, individual health conditions, and other factors. If you need an exact estimate of your out-of-pocket cost, please call us at the above number. PLEASE NOTE THESE CHARGES do not include fees from your surgeon, anesthesiologist, or other professional services billed by the physician AND OTHER PROFESSIONAL PROVIDERS. Typically, you will be filled separately for these professional services.
- Following the CMS guidelines, the information in this file represents the hospital’s current standard charges as reflected in the CDM. However, it is important to understand that the information represented in the CDM is the starting point in many cases and can undergo additional adjustments through the billing process, therefore, please be aware:
- The charge shown is the original charge for the item or service prior to any adjustments that result from applying modifiers in certain situations.
- The CDM is used in multiple hospital departments and may have different charges for the same item or service and such instances will repeat in the file. For a single chargemaster item, the charge is consistent; however, there may be slight variation in charges for services with similar descriptions for various reasons.
- Charges for certain items or services are based on per unit, such as – including but not limited to – surgeries, anesthesia, and recovery, which can be based on the unit of time and complexity; medications, drugs which can be based on weight-based dosage, age or packaging, etc.
- Certain items and/or services have a zero dollar price in the CDM for a variety of reasons – contracted billing services that drop charges externally, no-cost supplies, investigational device or medication exemption items in clinical trials and studies, a replacement for a recalled or defective device, explode codes and other system limitations. Such items and services will appear with zero dollars and are not reflective of the actual charge. In addition, items and/or services are sometimes assigned a one penny price to reflect, for example, a state-provided medication or drug, contrast items, therapy status codes used for CMS reporting, etc., and are not reflective of the actual charge contained outside of the chargemaster.
- The file may also contain CDM items for non-charged (such as payments, allowances, transactions, etc.)
- The file is very large and downloading may take excessive time, depending on your internet speed.
- By clicking to download this information you agree you have read and understood the above: Click here to download the hospital’s current standard charges.
RHSHC may not be the only bill you receive. Services provided by other providers including the radiologist, surgeons, specialty clinics, lab, sleep lab or pathology services can come from other billing centers. You will be billed separately for these services and your bills will state the remit address for these charges. Also, physician and lab charges may be billed through the hospital or clinic depending on the service provided. Questions or payments on other bills received from physicians, reference lab, pathologist, sleep lab, or radiologist should be directed to the billing address and phone number listed on your statement.
Accurate demographic information and your insurance cards are needed to verify coverage and assist with the filing of your claim. We will scan your cards to update our files. The receptionist will collect this information and ask you to sign one or more forms depending on the service you will be receiving. Occasionally you will be asked to update your patient history or information. If you are coming for a regular check-up, we also request you bring all your medications in their original containers.
Many insurance companies require pre-certification before you receive treatment in order for them to pay your bill. Inpatient admissions require pre-certification. Since all insurance companies’ requirements vary, it is your responsibility to know your coverage and follow their procedures. This may result in a lower payment from the insurance company if you do not phone them for a pre-authorization.
What If My Insurance Carrier Doesn’t Respond?
If we do not hear from your insurance carrier after two billing periods, your bill will be sent to you for payment or to follow up with your insurance carrier. If you need assistance, please call our billing specialists listed in this pamphlet.
Your statement will reflect the total amount due from you at the time the statement was printed. We accept cash, check, and credit card (American Express, Discover, Master Card, Visa) as payment. Your monthly statement will include all self-pay balances for services received at any RHSHC facility. Self-pay balances are expected to be paid in full within 30 days of the receipt of the monthly statement. Payment arrangements may be made within the guidelines set by RHSHC.
If for some reason you are unable to pay the balance in full, please contact a billing specialist regarding payment arrangements.
Accounts that do not meet these requirements may be referred to our Collection Agency (Quad).
In the case of a divorce or separation, the custodial parent will be responsible. It is the custodial parent’s responsibility to collect from the other parent if they are to pay all or part of the cost.
Financial Assistance at Regional Health Services of Howard County
In keeping with our mission and core values, RHSHC cares for people and their health needs regardless of their ability to pay. We are committed to working with our patients through any financial issues, including finding ways to make medical care more affordable. Regional Health Services offers financial assistance to eligible patients who do not have the financial ability to pay for their medical bills. If you are having trouble paying for some or all of your health care, we encourage you to talk with any of our Financial Associates about how we can help you.
What is covered?
For emergency and medically necessary services provided at RHSHC, we provide financial assistance to eligible patients on a sliding fee scale basis (https://aspe.hhs.gov/poverty-guidelines), with discounts ranging from 25 to 100% based on ability to pay (see website for guidelines). Financial assistance for other services such as pathology, radiology, surgeons, and anyone not employed by RHSHC that is providing patient services, is not covered under RHSHC.
How to Apply
Any patient may apply to receive financial assistance. A patient seeking financial assistance must provide supporting documentation specified in the application unless RHSHC indicates otherwise. The application form may be obtained by telephone at 563-547-6311 or by downloading it here: Financial Assistance Application. If you need the application in another language, please call our Business Office at the number listed above.
If you are without health insurance, you may be eligible for other government and community programs. We can help you discover whether these programs (including Medicaid) can help cover your medical bills. We also can help you apply for these programs.
Uninsured discounts offer a discount for patients who may not have health insurance coverage. Please contact us about our discount program.
RHSHC hospital services, with a dedicated emergency department, provides care for emergency medical conditions (as defined by the Emergency Medical Treatment and Labor Act) without discrimination consistent with available capabilities, without regard to whether or not a patient has the ability to pay or is eligible for financial assistance. Patients that are eligible for financial assistance will not be charged more than the amounts generally billed to patients.
Contact us for Financial Assistance Help or Applications
For more information about getting help with your Regional Health Services medical bills, please call 563-547-6311 to visit with a Financial Associate. We are located at 235 8th Avenue West, Cresco, Iowa 52136. We can give you any forms you need and can help you apply for assistance. Patients are strongly encouraged to ask for financial help before receiving medical treatment, if possible. Patients can also apply at any time while receiving treatment and for a period of time following receipt of your initial bill.
Thank you for choosing Regional Health Services of Howard County for your health care needs. We value your relationship with us, and will make every attempt to honor that relationship, by providing the quality medical care you require and deserve.
Questions or inquires about your bill?
Office hours are: 7:00 am to 4:30 pm, Monday through Friday
Itemized statements will be furnished upon request.
Regional Health Services of Howard County offers a free service to anyone who needs assistance sorting out any type of medical bills. This service is available by appointment only. Please call 563-547-6311.