PATIENT INFORMATION

We want your experience at Ringgold County Hospital to be as pleasant as possible, so we ask that you bring the following information with you when requesting treatment:

  • The patient’s most current insurance card, Medicare card or Medicaid recipient eligibility card
  • The patient’s date of birth
  • The patient’s Social Security number
  • The patient’s current address and phone number
  • The name and address of any potentially liable person if the patient was involved in an auto accident or other type of accident
  • A means of paying your co-payment or deductible at the time of service such as cash, check or credit card

HOSPITAL BILLING

Ringgold County Hospital makes it a priority to communicate with you regarding our billing and payment policies. Although healthcare costs have gone up, we continue to do our best to keep your costs down. At the same time, we appreciate your prompt and considerate attention to meet your obligations to the hospital. We know from experience that hospital bills can be complex.

Pay My Bill button

If you have questions about your bill or want an itemized statement, please contact us at (641) 464-4404.

Hospital Charge Compare Information

General Facts:

  • Hospital charge data is being provided as part of a federal regulatory policy mandated by the U.S. Department of Health & Human Services and Centers for Medicare & Medicaid Services.
  • Hospital charge data is not representative of a patient’s expected out-of-pocked costs. Because each patient’s case is different based on specific conditions, the actual amount owed by a patient will depend on that patient’s insurance coverage.
  • Hospital charge data is the amount a hospital bills an insurer for a service. In the vast majority of cases, however, hospitals are reimbursed by insurance companies and Medicare/Medicaid at a rate that is considerably less than the amount charged.
  • Patients should talk with their insurance provider to understand which costs will be covered, and which will be the patient’s responsibility.

Helpful Definitions

Understanding health care terminology around price poses significant challenges for patients.  If you ask a group of people to define what “price” is, it is likely you will get a variety of answers.  Below are definitions to help frame the understanding on this issue:

Charge:  The dollar amount assigned to specific medical services before negotiating any discounts from payers.  The charge is different from the price. Very few patients pay the charge regardless of their insurance status; and, therefore, this data is not meaningful to people.

Price:  The negotiated and contracted amount to be paid to providers by payers (also called the “allowed amount”).  A patient’s out-of-pocked liability for health care services is based on this allowed amount.  Note that the price for a given service varies by insurance plan as these are separately negotiated by plan/employer.

Out-of-Pocket:  Portion of the price for medical services and treatment for which the patient is responsible.  This includes copayments, coinsurance, and deductibles.

Cost:  The definition depends on the cost being referenced:  To the provider, cost is the expense incurred to provide health care to patients.  To the employer, cost is the expense related to providing health benefits.  To the insurance plan, cost is the price paid to the provider.  To the patient, cost is the out-of-pocket fees. 

We support price transparency and believe it is important for you to know what out-of-pocket costs you will incur for services provided at Ringgold County Hospital.  We have established two easy ways for you to obtain estimate of your costs-call or email.

Call or Email:  By calling or emailing, we can give you an accurate estimate of your out-of-pocket costs for medical service or procedure at Ringgold County Hospital.  We review:

  • The specific service or procedure you will receive
  • The physician providing the service
  • You insurance, including what you have already paid towards your deductible. Call 641-464-4404 email medicalbills@rchmtayr.org

Hospital and Clinic Standard Charge List

 

INSURANCE

Most patients come to the hospital with some form of insurance coverage. Regardless of the type of insurance coverage you have, you are ultimately responsible for payment of your medical bills. Although we will bill on your behalf and make all reasonable efforts to obtain payment from your insurance, if they reject the claim or delay payment, we will look to you for payment in full. Insurance companies sometimes require additional information before claim processing can be completed. Your prompt response to these requests for information will speed up processing and potentially reduce the amount you owe.

PATIENT’S SHARE of the BILL

Once insurance has paid on your account, you will receive a statement from us indicating the balance you owe if it was not paid at the time of service. This balance is due and payable by you when you receive your statement. You may pay your account by cash, check, credit card (MasterCard, VISA, Discover or American Express) or by automatic withdrawal from your checking account.

NEED HELP WITH YOUR MEDICAL BILLS?

Ringgold County Hospital recognizes that health problems are often unexpected. The costs are also unplanned for or simply greater than expected as well. For information about what assistance Ringgold County Hospital can offer, please ask to speak to a patient accounts representative by calling (641) 464-4459 during regular business hours (Monday through Friday, 8 a.m. to 4:30 p.m.) or send an e-mail to medicalbills@rchmtayr.org.

OVERPAYMENTS

Should an overpayment on your account occur, we will investigate the nature of the overpayment and make a refund to the appropriate party. If the refund is to go to you, we will apply it to any other account balances you may have outstanding and will then refund to you any remaining balance.

YOU SHOULD KNOW

Ringgold County Hospital will not become involved in disputes arising from personal injury claims such as auto accidents, falls in a grocery store aisle or other liability situations. We will be happy to provide the necessary billing information and copies of your medical records (with proper consent from you); however, full financial responsibility for our services always rests with you and payments must be made according to the guidelines outlined above.

RCH will not become involved in family disputes arising from situations of divorce, custody or other matters. RCH is not a party to any divorce decree or separation papers you may have and is not bound by the terms of that document. We will hold the parent who brought the child to the hospital for service responsible for payment of that account.

FREQUENTLY ASKED QUESTIONS ABOUT BILLING

Do I need to let my insurance company know that I’m going to be in the hospital?

We try to make sure we receive authorization for your services at Ringgold County Hospital, but every insurance company has its own prior authorization requirements. We encourage you to check with your insurance company or your employer to verify this information.

How do I find out if my insurance company will cover my hospital stay?

Insurance companies have multiple plan options which make it difficult for us to know all that their plans cover. Contact your insurance company or your employer with specific questions about what is or is not covered by your insurance plan.

Should I bring my insurance card with me to the hospital?

Yes. Your insurance card is needed when you register to ensure we get the correct information to file a claim with your insurance company or companies. Make sure you bring all of your insurance information if you have more than one insurance plan. If we do not have the correct insurance information we cannot bill your insurance company on your behalf, therefore it will become your responsibility.

What if I get more than one bill?

You may receive more than one bill for the same hospital stay. These bills are usually for services provided by physicians, anesthesiologists or other professional medical groups. Although Ringgold County Hospital bills for some of these same services, you may receive a separate bill directly from other providers.