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新英格兰浸信会 Hospital DOES NOT have an emergency department or urgent care centers.
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金融皇冠足彩指南

Thank you for choosing 新英格兰浸信会 Hospital (NEBH).

 

Although finances may be the last thing on your mind right now, 了解系统是如何工作的可以让你更顺利地访问内黑洞. 作为NEBH的新病人, you may want to contact your insurance provider for a written copy of your insurance policy.

拥有这些信息可以帮助您对您的医疗做出明智的决定,并帮助我们获得我们需要的信息,以快速和准确地处理您的保险索赔.

以避免延误处理你的索赔, 如果您的保险和/或人口信息有任何变化,请通知您的医生办公室或NEBH注册办公室.

你可能有资格获得财政援助. 有关NEBH资助计划的更多信息,请联系NEBH的财务顾问或完成申请.

你的保险计划

以下是你第一次来NEBH时需要了解的关于健康保险的一些事情.

主要和次要保险范围

If you are covered by more than one insurance program, we will need information about both to coordinate your benefits.

当你来进行医疗访问时,记得带上你所有的保险身份证.


共同保险

共同保险是指你的保险公司支付你医疗费用的一部分,你支付另一部分.

For example, your insurance may pay 80% and you would be responsible for the remaining 20%.

If you are unsure if you have co-insurance, please contact your insurance company.


管理护理计划- hmo, ppo,或pos

Managed care plans often require you to use specific physicians, 设施, 和/或辅助皇冠足彩.

他们经常要求你支付共同费用,并在接受医疗保健皇冠足彩前从你的初级保健医生那里获得转诊.


自付额

有些保险计划有每次就诊的自付额、年度免赔额或终身或年度限额. 您的医生或专业皇冠足彩和技术皇冠足彩(如实验室测试)可能需要单独的共同支付, x射线, 或核磁共振成像.

If any portion of your bill is payable at the time of service, 准备好付现金, 检查, 或主要信用卡. Co-pays are expected to be paid at the time of service.

For your convenience we accept MasterCard, VISA, and American Express. All costs not covered by your insurance company are your responsibility.


THE ROLE OF YOUR PRIMARY CARE PHYSICIAN (PCP)

The PCP often plays an important role in managing your care. He or she may issue referrals and coordinate your care with your NEBH physician.

Be sure to let your PCP know that you are coming to NEBH.


保险推荐

A referral is a specific direction or instruction from your PCP, which directs you to a participating provider for medically necessary care. A referral can be issued electronically or as a paper document.

NEBH的大多数医生被认为是专家,可能需要您的PCP的转诊.

有些推荐允许多次访问, 有些是为了一次访问, 以及其他特定时间段内的.

Your insurance plan will have this information. You, as the patient, are responsible for obtaining referrals as required.

如果您的保险计划是健康维护组织(HMO),您通常需要:

  • Select and contact/visit your PCP to obtain written referrals for NEBH and NEBH physicians.
  • Bring copies of your referrals when you come to NEBH for your appointment.
  • Obtain referrals for all scheduled follow-up procedures and physician visits as necessary.
  • Check with your insurance carrier to make sure you understand how to manage your referrals.

If you do not have the necessary referrals when you come for your appointment, 您的预约可能需要重新安排,或者您可能需要为您的医生访问和/或任何指定的程序支付费用.


观察状态和住院状态

Did you know that even if you stay in a hospital overnight, 你可能仍然被认为是一个“门诊病人”?”

“观察状态”是医院提供的门诊皇冠足彩,帮助医生决定患者是否需要住院或是否可以出院.

在医生检查检查结果期间,接受观察的病人可以留在医院的病床上, 但仍然被认为是门诊病人.

住院的决定是一个复杂的医疗决定,基于你的医生的判断和你对医疗必要的医院护理的需要.

当你需要两晚或两晚以上的医疗护理时,住院治疗通常是合适的.

为了让你成为住院病人,你的医生必须让你住院,医院必须正式让你住院.

你的医院状况(医院认为你是“住院病人”还是“门诊病人”)会影响你在医院皇冠足彩(比如x光)上的花费, 药物, 和实验室测试).

如果你有医疗保险, 这也可能会影响医疗保险是否覆盖你住院后在专业护理机构(SNF)获得的护理.

请参阅观察与. 你的保险计划的住院指导方针.


门诊病人放射学程序

放射学中执行的一些程序被认为是外科程序,并根据付款人的要求相应地收费. Dependent upon the insurance plan, a surgical co-pay may apply.

These procedures may include but are not limited to steroid injection, 联合注射, 和arthrogram. To verify please contact customer service with your insurance carrier.


耐用医疗设备

当你出院时, 你的供应商, in consultation with your physical and/or occupational therapists, may order or recommend the use of durable medical equipment (DME), 如拐杖, 拐杖, 步行者, 和他们.

You have the right to obtain supplies from any durable medical equipment provider. Please contact your insurer to confirm participating DME providers and coverage of DME.

If you have any questions, please contact the NEBH DME Coordinator at .


PREADMISSION SCREENING VISIT AND REHABILITATION SERVICE

我们的临床卓越和患者评估过程的一部分包括在入院前筛查期间进行的物理治疗(PT)评估.

这是为了评估你目前的活动能力,并为建立术后目标提供基线.

请理解,您的保险承运商可能会表示,您将承担评估的部分费用.


理解你的账单

Your doctor and NEBH will bill your insurance company on your behalf. Your insurance company may send an Explanation of Benefits (EOB), 这将解释一个总结性收费和什么金额(如果有)你将负责.

这是一种解释,不是一项法案. 如果你负责余额的话, you will be billed by the hospital and/or your physician’s office.

你会收到一张住院费的帐单. All physicians bill separately from the hospital.

这包括咨询费, 病理学家, 放射科医生, 麻醉医师, 主治医师, 住院医师, 外科医生, 心脏病专家, and durable medical equipment ordered by your physician.

医疗保险

你作为医保患者的权利

 

As a 医疗保险 beneficiary, you have certain guaranteed rights.

These rights protect you when you receive healthcare, assure you access to needed healthcare services, 保护你不受不道德行为的伤害.

您的权利包括但不限于:

  • The right to information about what services are covered and how much you will have to pay.
  • The right to information about all treatment options available to you.
  • The right to appeal decisions to deny or limit payment for medical care.


 

ADVANCE BENEFICIARY NOTIFICATION FOR MEDICARE PATIENTS

医疗保险和医疗补助皇冠足彩中心(CMS)要求医疗皇冠足彩提供者在医生安排医疗保险可能无法支付的检查和程序时,告知患者他们的权利和责任.

医生会根据包括你的个人病史在内的各种因素建议进行检查和检查, 任何你正在服用的药物, 以及普遍接受的医疗实践.

而你的医生可能会发现一个有用的测试或程序,以便为你提供最好的护理, it is possible that 医疗保险 may not consider the service to be medically necessary.

医疗保险只涵盖它根据你的诊断确定的合理和必要的治疗皇冠足彩. If there is a chance that 医疗保险 will deny coverage for a service ordered by your doctor, you will be given an Advance Beneficiary Notice (ABN) form to sign.

	

ABN的目的是提前通知您,医疗保险可能不会支付您将收到的皇冠足彩.

荷兰银行告诉您哪些测试和程序被认为是不合理和必要的,并通知您,如果医疗保险拒付,您将对皇冠足彩承担财务责任.

当需要ABN时, it will be explained to you and you will be asked to sign it before you receive the service.

You have two options when an ABN form is presented to you:

  • 您可以同意负责支付医疗保险认为不合理和不必要的皇冠足彩,并接受该皇冠足彩, OR
  • You may refuse to be responsible for payment of services that 医疗保险 will not cover and, 因此, 没有收到测试或皇冠足彩.

金融咨询

如果你正在接受医院的皇冠足彩, NEBH有一名财务顾问,如果你的保险不足或没有医疗保险,他可以为你提供指导.

Please call or to speak with a financial counselor.

Please work directly with your physician’s office for guidance/estimates for all other care.

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