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Billing & Insurance

To help patients meet their financial obligations, Morris Hospital files an insurance claim as a courtesy to patients. Patients must present accurate and complete insurance information at the time of registration. A patient representative is available to assist patients with questions about private insurance, medicare, public aid and other payment issues.

For inpatient and observation stays, the hospital bill covers the cost of your room, meals, 24-hour nursing care, laboratory work, tests, medication, therapy, and the services of hospital employees. You will receive a separate bill from physicians who were part of your care for their professional services. (Haga clic aquí para obtener una copia en español)

The hospital is responsible for submitting bills to the your insurance company and will do everything possible to expedite the claim. Please remember that your policy is a contract between you and your insurance company and that you have the final responsibility for payment of your hospital bill.

For help with questions about your bill, please call 815-942-2932, Option 4.

For a copy of our Billing and Collections policy in English, please click here. (Haga clic aquí para obtener una copia en español)

INSURANCE PLANS

Morris Hospital is a participating provider in several commercial, government and veterans/active service health plans. Please click on the button below to view the list of these plans. Because this list frequently changes, please check with your insurance provider to make sure Morris Hospital is an in-network provider. It is also recommended you contact your provider’s office to verify accepted insurance plans.

SELF-PAY (UNINSURED) PATIENTS

If you are a self-pay patient, we will send statements of your account directly to you. You will receive two to three billing statements over a 90-day period to obtain a payment or to make payment arrangements.

If payment arrangements are not established and no payment is made during the 90-day period, the account may be placed with a collection agency.

If you need an itemized statement or have questions regarding your billing statement, please call our patient representatives at (815) 942-2932, Option 4.

FINANCIAL ASSISTANCE

Morris Hospital & Healthcare Centers also offers a Financial Assistance Program. For assistance with payment arrangements or for more information on the Financial Assistance program, please call a patient representative at 815-942-2932, ext. 7046.

SELF-ADMINISTERED DRUGS

These are drugs you would normally take on your own. Medicare Part B generally may not cover these types of drugs while in the hospital. If you receive these, the hospital may bill you for the drugs. However, if you are enrolled in Medicare Part D, these drugs may be covered.

COMMERCIAL INSURANCE

As a service to our customers, we will forward a claim to your commercial insurance carrier based on the information you provided at the time of registration. It is very important for you to provide all related information such as policy number, group number, and the correct mailing address for your insurance company.

MY COST OUT-OF-POCKET ESTIMATOR

The My Cost Out-Of-Pocket Estimator is a service to assist you in determining your out of pocket costs prior to electing to move forward with your procedures. This allows you to:

  • Download the complete price list for all services
  • Download the complete list of Diagnosis Related Group listings
  • Calculate your final out of pocket cost

NO SURPRISE BILLING ACT

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care that isn’t in your health plan’s network.

“Out- of-Network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-Network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged. This is called “balance billing.” This amount may be more than in-network costs for the same service and not count toward your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care – like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider

 

You are protected from surprise billing for:

Emergency Services:

If you have any emergency medical condition and get emergency services from an out-of-network provider or facility, you can’t be balance billed for the difference between what your plan agreed to pay and full amount charged for the emergency service(s). The most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center:

When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.

If you get other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.

You’re never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.

 

When surprise billing isn’t allowed, you also have the following protections:
  • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
  • Your health plan generally must:
    • Cover emergency services without requiring you to get approval for services in advance (prior authorization)
    • Cover emergency services by out-of-network providers
    • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
    • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

If you believe you’ve been wrongly billed, contact the Morris Hospital Patient Financial Services Department at 815-942-2932, Option 4.

For more information about your rights under federal law, please visit:  https://www.cms.go/nosurprises/consumer or contact (800) 985-3059.