Why am I being billed when I have insurance?
The balance on your bill may be for a coinsurance payment, deductible or an out-of-pocket expense (an expense not covered by your insurance provider). If you have a question about why your insurance did not pay a portion of your claim, you should contact your insurance company directly. Some insurance carriers also provide information on your insurance coverage.
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. When your statement (bill) says "insurance pending," your claim has been sent to the insurance company. Insurance claims are generally paid four to six 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. Hospital bills include technical fees for things such as hospital supplies, lab tests, X-rays, nursing care, medications, 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 amount submitted to insurance and the amount you owe. If insurance has paid part of your claim, the statement will identify the amount paid by insurance and the amount you owe. 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, copayment 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 workers' compensation or motor vehicle insurance should pay for the services provided?
Regardless of who pays for services provided, Kalispell Regional Healthcare 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 payer, please be sure to provide the workers' 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 patient representatives can help you determine the balance of your account. Please call (406) 756-4408 to discuss your account and your balance.
Why didn't Medicare cover my visit?
Unfortunately, Medicare will not pay for certain services (these may include physicals, some screenings, X-rays, self-administered drugs and lab work). If you believe charges were denied in error, please call (406) 756-4408.
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 coinsurance. Our insurance billing staff can help you with any questions. Please call (406) 756-4408.
What if I can't afford to pay?
At Kalispell Regional Healthcare we are proud of our mission to provide quality care to all patients regardless of their ability to pay. If you feel that you are unable to pay for your medical care, you may be eligible for help through our Financial Assistance Program. This program provides free or discounted services to eligible patients. Our financial counselors can assist you in applying for many government programs. To learn more, visit the Financial Assistance Program page
or call (406) 756-4408.
I don't understand my bill. What is all this terminology?
Our billing staff can help you with your questions about services and our charges. We may also reference medical staff for procedure or test explanations. Please call us at (406) 756-4408 for further assistance. Also, upon request, we can print an itemized statement for you.
Why do I have multiple account numbers?
In order to send a claim to the insurance company, we are required to create a separate account number for each inpatient or outpatient visit.
Why is everything so expensive?
Kalispell Regional Healthcare strives to provide our patients with the very best medical care using the latest technology. Our fee schedules reflect what it costs to deliver the level of health care that our patients want and deserve. Our prices are driven by the increasing cost to deliver high-quality health care. Generally, our costs are below average compared with other hospitals across the nation.
Why do I have a hospital charge when I was seen in the clinic only?
Big Sky Family Medicine and Rocky Mountain Heart & Lung clinics are outpatient departments of Kalispell Regional Medical Center; therefore, for services rendered at these clinics you will receive a professional fee billed by KRH Physician Network Billing (to cover the costs of the services provided by the physician and other professional personnel) and an outpatient hospital fee billed by Kalispell Regional Medical Center (to cover the costs of maintaining the facility, equipment, support staff, etc.).