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 information.
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 218.249.5260.
Financial Assistance Program
915 East First Street
Duluth, MN 55805
Business Office 218.249.5260
Financial Counseling Office 218.249.5340 or 866.303.5340