Your insurance company will be billed on your behalf, with the insurance policy submitted on the date of service. You will receive an itemized statement from St. Joseph’s Health and the insurance company indicating the amount your insurance company covered and, if applicable, the remaining balance to be paid by you.
Please keep in mind that you will receive separate statements for each hospital, employed physician and contracted providers. For instance, you will also receive separate bills for use of the hospital facilities in addition to the professional service fee of the physician. Other tests that may be billed separately include x-rays, laboratory, cardiology and consulting physicians; such services are provided by independent physicians who are not employees of the hospital.
You have the right to receive all the hospital care that is necessary for the proper diagnosis and treatment of your illness or injury. According to federal law, your discharge date must be determined solely by your medical needs - not by DRG’s or Medicare payments.
Because we understand that hospital bills can be confusing, we assign a Patient Financial Representative to answer your questions, and iron out any difficulties. The representative who will handle your account will meet with you during the Pre-Admission Testing process, or shortly after you are admitted. He or she will discuss arrangements for paying your bill and will be glad to answer any questions you may have about charges, your insurance coverage, or payment.
It is within the St. Joseph’s Health’s mission to render quality healthcare in northern New Jersey with a special concern for the poor and underserved.