Federal guidelines can make healthcare insurance and billing complex and confusing. However, we try to streamline that process and make it as easy as possible for our patients to pay their bills. On this page you'll find answers to the common billing and insurance questions.
When you come to us for a service, we will ask you for your health insurance card and other information.
You will be asked to pay for your portion of the estimated bill at the time of service.
After your service or hospital stay, we will send you an informational statement. This is not a bill, but a federally required summary of your services, and it usually arrives within 30 days of your visit. Oftentimes, the amount on this statement may be different from the actual payment due.
We will contact your insurance company to collect the portion they owe. Sometimes the insurance company will not pay right away because they require more information. This might slow down payment on your account.
If a claim is denied because the insurance company does not have enough information, we will work with you and your insurance company to get the missing information. In some cases, there is a secondary insurer, and we will work with them as well.
After you receive the informational statement, you will be sent your actual bill that may include both inpatient and outpatient services for a specified period of time. On this bill, you may also see past due service charges.
Once all insurance payments are received, we may ask you for additional payments for the amount not yet paid. If you are uninsured, you will receive a 30 percent discount from your total charges, with the exception of any same day self-pay price.
Call your insurance company for the best information on your estimated out-of-pocket expenses. If you are responsible for a percentage of the charge, you can review sample charges or contact us to get an estimate of your services. If you are a member of Hometown Health, visit their website to learn more about your plan.
Medicare or a Medicare Advantage Plan
Check the CMS website for an overview of your benefits or call your insurance company for the best information on your out-of-pocket expenses. For Medicare questions, please call 775-982-4130 or 1-866-691-0284.
If you can pay your bill, you can save money by paying it within 30 days of your service. If you don’t have the means to pay your bill, we have financial counselors who can help you find assistance programs for which you qualify. To speak with a financial counselor, please call 775-982-4110.
If you do not pay what you owe for your services, you eventually will be turned over to a collection agency but only after several billing notices and attempts to contact you. We are always willing to work with patients who make reasonable efforts to pay for their care.
Account Statements and Contact Attempts
You will receive a series of written notices for your bills in the following order:
- An initial statement with a summary of your charges
- Four attempts to contact you
These contacts will occur over a 120-day period from the first attempt to contact you.
You will always have the ability to ask us for an itemized statement or contact a customer service employee about your bill.
If you have not submitted payment or made payment arrangements with us after the four written notices, we will send your account to a collection agency. Additionally, your account will be sent to a collection agency if you indicate at any time that you will not pay your bill or the written notices are returned due to an invalid address.
Renown also has a the Financial Assistance Program for patients in need. Specialists are available to help you with your healthcare financial responsibilities. You must be a patient at Renown Regional Medical Center or Renown South Meadows Medical Center.
- When your balance due has changed either up or down, both the insurance company and the hospital could adjust your balance.
- The initial amount that a hospital gives to each service before a patient has the service.
- A form submitted to the insurance company for payment.
- A percentage of eligible expenses that you must pay. Co-insurance usually applies after you meet your deductible.
Coordination of Benefits
- Determining which insurance company pays first if you are covered under more than one insurance plan.
- When you pay a specific amount for a service, a copays is due at the time of service.
- The amount a patient will pay after services have been completed and insurance has been applied to the amount.
- Specific services or supplies that your insurance reimburses.
- The agreed amount of money your benefit plan requires you to pay first before they will pay. The deductible is usually an annual amount. After the deductible has been met, you will pay any eligible expenses for the rest of the year.
- The person you carry on your insurance. Often this is a husband, wife or child.
- The difference between total on the bill and the amount your insurance company covers.
- A health plan ID number usually found on your insurance card.
- The person responsible for paying the bill.
Health Insurance Exchange
- The place to get insurance in Nevada if you currently do not have any.
- Doctors or hospitals participating in your health plan or insurance plan.
- A person who has insurance.
- A list of all items and services during your stay.
- Health insurance for low or modest-income individuals.
- Health insurance for individuals 65+ and persons with disabilities.
- Services that are not covered by a patient’s insurance plan.
Out of Network
- Doctors and hospitals NOT on the “preferred” list for your insurance plan.
Out of Pocket Maximum
- The maximum amount a person needs to pay themselves.
- The amount the patient is expected to pay.
- Getting advance approval from your insurance company for your services.
- The amount after services have been completed without insurance applied.
Primary Care Provider
- Your doctor who coordinates your care.
- The insurance company with first responsibility for paying eligible health expenses.
- A healthcare professional (doctor or nurse practitioner) or facility (such as a hospital or clinic).
- The insurance company with second responsibility for paying eligible health expenses.
- The person who purchased the insurance.
- The unique number assigned to each visit.