The following information will help minimize confusion regarding billing and payment requirements.
Payment Policy and Billing
Payment for services or your co-pay is due at your visit unless arrangements have been made in advance. If insurance information is available before your visit, Sterling Surgical Hospital will file your claim. Then, we will only collect the deductible, co-pay, or other amount for which the patient is responsible. If insurance information is not available, we will provide a copy of your bill to file with your insurance carrier for reimbursement.
Methods of Payment
We accept cash, check, credit cards (Visa, MasterCard, & Discover), debit cards, and money orders.
Sterling Surgical Hospital is a provider for Medicare and a number of major insurance plans. We also provide insurance billing, and will gladly assist in filing a claim with your insurance company. Before we bill you, we bill your insurance provider, including Medicare, and any secondary insurance providers. During this billing process, you will receive monthly billing statements so you are aware of any insurance activity. The statement will show that the balance is pending with insurance payment. We bill all insurances and will verify your current coverage at each visit. Please bring your current insurance card to each visit. If we are unable to verify your insurance, you may be listed as self-pay, which requires payment in full for the service.
You may receive multiple bills for the visit depending on the services provided. For example, bills for lab testing will be separate from the physician’s bill.
Referrals and Authorizations
Many insurance plans require that your primary care physician provide a referral. Each plan is different, and it is your responsibility to know the requirements for your plan. We are happy to help you get a referral but you may be responsible for payment, or the appointment may need to be rescheduled if the referral is not received. Most insurance companies also require prior authorization for specific services, including some procedures or some medications. We will work with your insurance company to get authorization; however, the process can take up to 10 business days. We may need to reschedule your appointment until authorization is provided.
Cancellations for your surgical procedure are coordinated through your physician’s office. If you have to cancel your surgery, please contact your physician’s office, and his or her staff will coordinate with our team here at Sterling Surgical Hospital to assure the proper steps are followed.
Hospital Price Transparency
You have reached the federally required section of our website that contains the charges for the services we provide within our facility. While we provide this information to comply with federal regulations, healthcare billing is complex. It is extremely important for you, as the consumer, to understand that standard charges may not be a relevant starting point for estimating what costs you may incur during an episode of care, and the amount actually paid by a patient will depend on that patient’s insurance coverage, policy provisions and other factors.
Everyone’s case is different based on that patient’s medical condition.
The charges linked below only include hospital charges and do not include charges that are billed separately by the physician or other professional fees. Furthermore, the actual amount paid by a patient will depend on the patient’s insurance coverage, as benefit plans very greatly.
IF YOU HAVE COMMERCIAL INSURANCE:
Contact your insurance company to understand all of the factors affecting your financial responsibility.
Numerous factors, such as type of plan, co-pay, co-insurance, deductible, out-of-pocket maximums, provider network and other limitations, will affect your financial responsibility to a hospital.
The prices reflected on this site do not include charges for the physician or other professional fees, such as diagnostic imaging, anesthesia or lab work.
The prices reflected on this site do not include any negotiated discounts between your insurance company and the hospital.
IF YOU HAVE MEDICARE:
Medicare has many different parts, and not everyone has the same type of Medicare coverage. Medicare will pay for many of your healthcare expenses but not all of them.
Special rules apply if you have employer group health insurance coverage through your job
If you have a supplemental health insurance policy, it may cover some costs that Medicare does not cover.
The best way to be sure of what your Medicare plan covers is to call 1-800-MEDICARE, or visit the website at.
IF YOU HAVE MEDICAID:
Contact your local Medicaid office at 1-888-544-7996, or visit the Louisiana Department of Health to determine all the factors affecting your financial responsibility.
Generally, Medicaid recipients are not responsible for any portion of the bill.
IF YOU ARE UNINSURED:
Please contact our Patient Navigator at (985) 690-8200 to obtain a price quote for your scheduled service.
As required by the Affordable Care Act (ACA), hospitals have a written financial assistance policy that includes eligibility criteria, the basis for calculating charges and the method for applying for financial assistance.