Scheduled Surgery Payment
When you receive care, your insurance company requires you to share the cost of your health care as part of your contract. Your insurance company may require you to pay a co-pay, deductible or co-insurance. At Lehigh Valley Health Network, we always will provide the care you need regardless of your ability to pay.
Lehigh Valley Health Network, like many health networks nationwide, collects your payment before your scheduled surgeries. Ironing out the finances before you receive care is very beneficial to you, and our health network.
Benefits of paying before your surgery
Following surgery, you need to focus on getting better. By taking care of any co-pay, deductible or co-insurance payments beforehand, we’re preventing the stress that comes from bills in the mail and phone calls from a collection agency. Additionally, we may find that you are eligible for help with your medical bills, which can prevent unnecessary financial burden. Your health is always our main concern.
Paying before your surgery is also beneficial to our community. On average, it takes up to 90 days to collect payments owed to us. That can be very costly and time-consuming. Sometimes we receive no payment at all, even from patients who would have been eligible for help with their medical bills. By paying early, you’re helping us avoid unnecessary costs and work more efficiently. These savings are then reinvested to help operate the health network, pay for new medical technology and maintain our facilities – all of which benefit our patients and community.
What happens before your surgery
Once your surgery is scheduled, one of our financial counselors will call you. They may provide you with an estimate of your financial responsibility. They’re experts at helping patients meet the financial challenges associated with their medical care. The financial counselor will offer to take payment over the phone or at pre-admission testing. If you are uninsured or underinsured, the financial counselor will determine if you are eligible for state medical assistance or our financial assistance program based on your income.
How to pay your portion of the bill
We accept cash, check, Visa, MasterCard, Discover and American Express. We do not accept debit cards, unless they are Visa or MasterCard processed as credit.
Other bills you may need to pay later
You may receive bills from your physician and other providers for related services.
This is because your insurance company may require you to pay a:
- Co-pay – A flat fee you pay each time you receive a particular service, such as the fee you pay when you visit your doctor’s office or pick up a prescription
- Deductible – The amount you must pay each year for health-related expenses before your insurance company begins paying. For example, John Doe may be required to contribute $200 toward his medical bills each year. If that deductible hasn’t been met and his care is $200 or less, he will be billed for that cost.
- Co-insurance – The percentage of each claim above the deductible that you pay. For example, if John Doe’s co-insurance is 20 percent, he will pay the deductible plus 20 percent of his covered expenses. His insurance company will pay 80 percent of the bill.
All health insurance plans are different. To learn more about your responsibility, please contact your insurance company.