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Frequently Asked Questions

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Has a claim been filed with my insurance company?

Yes. Your insurance claim is filed automatically with your insurance company based on the information you provide our registration clerks. When your statement (bill) says "insurance in process," your claim has been sent to the insurance company. Insurance claims are generally paid 4 to 6 weeks after we have filed your claim.

Why do I get a separate bill from the hospital and doctor's office?

Federal regulations require that fees for hospitals and physician offices be reported separately. Physician office bills are generally for fees such as physician or other provider services, lab tests, and X-rays. Hospital bills include technical fees for things such as hospital equipment and supplies, nursing care, room, and rehabilitation services.

How will I know what portion of the bill I should pay?

The amount you owe can be found in the box on the bottom right-hand corner of your bill. Your bill should identify the total charges,  The "Explanation of Benefits" from your insurance company will also indicate the charges for which you are responsible.

What will I owe after insurance has paid?

Insurance contracts vary a great deal depending on allowed services, co-payment amounts, deductibles, and coinsurance. Because of this, it is impossible to know exactly how much your insurance company will pay or how much you will have to pay.

Why do I get a bill?

Kalispell Regional Healthcare entities send a bill to you to help you know as much as possible about the status of your bill and the status of payments. Please review your statement to ensure that charges submitted to insurance and payments received are accurate. We will continue to send you a statement until your account balance reaches zero, even if a claim has been sent to your insurance company.

Why do I get a bill when Worker's Compensation or Motor Vehicle Insurance should pay for the services provided?

Regardless of who pays for services provided, Kalispell Regional will send you a statement to help you understand the services received and the status of your account. To ensure your charges get filed to the appropriate payor, please be sure to provide the worker's compensation or car insurance claim number when you register. You must complete your workers' compensation or auto insurance company's required paperwork in order for your claim to be processed.

What is my balance?

Our Office Staff can help you determine the balance of your account. The phone number to call is 406-751-6500.

Why didn't Medicare cover my visit?

Unfortunately, Medicare will not pay for certain services (these may include physicals, some screenings, X-rays, and lab work). If you believe charges were denied in error, please call 406-751-6500.

Why didn't my insurance cover some services?

Insurance policies vary on what services are allowed (paid). Your particular policy may not cover a certain service or you may not have met your policy's deductible and/or co-insurance. Our office staff can help you with any questions. Please call 406-751-6500.

What if I can't afford to pay?

Our Social Service and Office staff can assist you in applying for many government programs.

I don't understand my bill. What is all this terminology?

Our billing staff can help you with your questions about services and their charges. They may also reference medical staff for procedure or test explanations. Please call them at 406-751-6500. Also, upon request, an itemized statement can be printed for you.

Why do I get a separate bill/account for hospital services?

In order to send a claim to the insurance company, we are required to file a separate claim for each inpatient or outpatient visit.

Why is everything so expensive?

NWHC strives to provide our patients with the very best medical care utilizing the latest technology. Our fee schedules reflect the cost of delivering the level of health care that our patients desire and deserve. Our prices are driven by the increasing costs associated with delivering high quality health care. Generally, our costs are below average, compared to other facilities across the nation.