HCA Midwest Health - October 09, 2017

Prices of care should be shared with patients before a procedure or test. You should know what your out-of-pocket costs will be beforehand.

Needing surgery is stressful enough without worrying about how much it will cost. That’s why HCA Midwest Health offers resources to help patients understand their insurance benefits, deductible, out-of-pocket costs and average cost of the procedure.

HCA Midwest Health Hospital Costs

We believe consumers should be empowered to understand their insurance benefits and know what the costs of procedures will be. Our Patient Financial Resource Center offers detailed information on the costs of various procedures for each HCA Midwest hospital or outpatient surgical center. For uninsured patients, there is also information on where and how to get assistance or charity discounts.

You can also call to speak with one of our Financial Representatives at 1-800-849-0829.

What are Non-Hospital Costs?

Standard hospital fees cover things like use and sterilization of the rooms and equipment, medication, nursing services, procedures, tests and support services and all the care and amenities of a typical hospital stay (food, medications, bedding, waste removal, etc.).

What is separate are any services provided in the hospital (as the facility where you are getting care), but not by the hospital (e.g., the physician or provider performing the procedure). Your physician(s) and anesthesiologist will fall in the “billed separately” group.

Talk to your healthcare provider and/or insurance company directly for details on what non-hospital services or providers will be used for your procedure and then contact each for an estimate of costs prior to care being delivered.

Remember, it is also important to discuss your insurance benefits with your insurance provider or broker. Depending on your plan and other factors (services received year-to-date, out-of-pocket max limits, co-pays, in-network vs. out-of-network, etc.) your out-of-pocket cost can vary.

Why are the Hospital and Physician Costs Separate?

Because of the way the healthcare system is set up in the U.S., one surgery can actually involve four or more healthcare providers. Each provider bills separately and your surgery costs will depend on:

  • The type of procedure you are having
  • The hospital or facility where you have the surgery
  • The type of insurance you have
  • In-network vs. out-of-network charges
  • The doctors, surgeons and anesthesiologists involved
  • Any testing or radiology needed
  • Your recovery time and circumstances (e.g., if you need more or fewer days in the hospital than is typical for a procedure)

This makes understanding the cost of your procedure or surgery challenging, but we’re here to help you through. Call the HCA Patient Resource Center at 1-800-849-0829 or talk to your broker or insurance carrier.