Insurance, Billing and Financial Assistance
Most insurance companies require that you notify them when you are admitted
to the hospital. Many expect patients to notify them ahead of time for
a planned procedure or treatment. If you are undergoing emergency care,
the insurance company must be contacted within 24 hours of admission.
St. Luke's will work with you to contact your insurance company. We
make a copy of your insurance card and will need to confirm your admission
About Your Bill
We realize that hospital bills can be complex, and we want to help you
understand your bill and insurance coverage. We also want to help ensure
that you receive the maximum benefits allowed under your insurance policy.
A statement of your account containing all of your hospital charges will
be mailed to you after your discharge. If the charges will be paid by
an insurance company or HMO, they will be billed first. If you are covered
by more than one policy, the insurance companies will determine how to
divide payment. You will not receive a statement until the insurance company
makes payment. Any remaining balance will be your responsibility. MedPay
Management Systems will send you a bill for the balance. St. Luke's
may contact you if we need assistance while working with the insurance company.
If you have questions regarding your bill, call the Business Office at
Financial Assistance Program
For information about our Financial Assistance Program visit:
St. Luke's Financial Assistance Program or
Lake View Financial Assistance Program.
Financial Counseling Office
915 East First Street
Duluth, MN 55805