Ringgold County Hospital makes it a priority to communicate with you regarding our billing and payment policies. Although healthcare costs have gone up, we continue to do our best to keep your costs down. At the same time, we appreciate your prompt and considerate attention to meet your obligations to the hospital. We know from experience that hospital bills can be complex.
- Good Faith Estimate
- Hospital Charge Compare Information
- Ringgold County Hospital Standard Charges - .xlsx
- Charge Estimation Tool
If you have questions about your bill or want an itemized statement, please contact us at (641) 464-4404.
Most patients come to the hospital with some form of insurance coverage. Regardless of the type of insurance coverage you have, you are ultimately responsible for payment of your medical bills. Although we will bill on your behalf and make all reasonable efforts to obtain payment from your insurance, if your insurance company rejects the claim or delays payment, we will look to you for payment in full. Insurance companies sometimes require additional information before claim processing can be completed. Your prompt response to these requests for information will speed up processing and potentially reduce the amount you owe.
Ringgold County Hospital recognizes that health problems are often unexpected – so, healthcare costs are often unplanned for or may be greater than expected. To find out what financial assistance <link to https://www.rchmtayr.org/patients-visitors/#financial-assistance> may be available to you, speak with a Ringgold County Hospital patient accounts representative by calling (641) 464-4459 during the hospital’s regular administrative hours (Monday – Friday, 8 am – 4:30 pm) or send an e-mail to email@example.com.
Should an overpayment on your account occur, we will investigate the nature of the overpayment and make a refund to the appropriate party. If the refund is to go to you, we will apply it to any other account balances you may have outstanding and will then refund to you any remaining balance.
We try to make sure we receive authorization for your services at Ringgold County Hospital, but every insurance company has its own prior authorization requirements. We encourage you to check with your insurance company or your employer to verify this information.
Insurance companies have multiple plan options, which makes it difficult for us to know all that is covered by the plan. Contact your insurance company or your employer with specific questions about what is or is not covered by your insurance plan.
Yes. Your insurance card is needed when you register to ensure we get the correct information to file a claim with your insurance company. Make sure you bring all relevant insurance information, especially if you have more than one insurance plan. If we do not have the correct insurance information, we cannot bill your insurance company on your behalf, and it will become your responsibility to do so.
You may receive more than one bill for the same hospital stay. These bills are usually for services provided by physicians, anesthesiologists, or other professional medical groups. Although Ringgold County Hospital bills for some of these same services, you may receive a separate bill directly from other providers.
Hospital charge data is being provided as part of a federal regulatory policy mandated by the U.S. Department of Health & Human Services and Centers for Medicare & Medicaid Services.
Some important items to note:
- Hospital charge data is not representative of a patient’s expected out-of-pocked costs. Because each patient’s case is different based on specific conditions, the actual amount owed by a patient will depend on that patient’s insurance coverage.
- Hospital charge data is the amount a hospital bills an insurer for a service. In the vast majority of cases, however, hospitals are reimbursed by insurance companies and Medicare/Medicaid at a rate that is considerably less than the amount charged.
- Patients should talk with their insurance provider to understand which costs will be covered, and which costs will be the patient’s responsibility.
Understanding healthcare 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 the understanding on this issue.
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. Therefore, this data is not meaningful to people.
The definition depends on the cost being referenced:
- To the provider, cost is the expense incurred to provide healthcare to patients.
- To the employer, cost is the expense related to providing health benefits.
- To the insurance plan, cost is the price paid to the provider.
- To the patient, cost is the out-of-pocket fees.
Out-of-pocket refers to the portion of the price for medical services and treatment for which the patient is responsible. This includes co-payments, co-insurance, and deductibles.
Out-of-Pocket Cost Estimates
At Ringgold County Hospital, 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 RCH.
We have established three easy ways for you to obtain a good-faith estimate of your costs:
- Call us at (641) 464-4404
- Complete our online Patient Estimator
By calling or emailing us, we can give you an accurate estimate of your out-of-pocket costs for medical services or procedures at Ringgold County Hospital.
To obtain this estimate, we review:
- The specific service or procedure you will receive
- The physician providing the service
- Your insurance, including what you have already paid toward your deductible
You can also download a spreadsheet of our standard charges to review.
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 healthcare 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.