Billing & Registration FAQ
At Hobbs Hospital, we strive to deliver quality health care and the best
possible patient experience. Consistent with these goals, we take a positive
and proactive approach to patient billing and collections. Our goal is
to coordinate payment for services in the most efficient, timely and customer-oriented
manner possible. We’ve compiled some frequently asked questions
we hope will assist you in understanding these services and answer any
questions you might have.
Q: How can I help expedite my registration process?
A: If your physician’s office scheduled your service at our hospital
in advance, we will make every effort to ensure that you are pre-registered
prior to your arrival. If your physician’s office was unable to
schedule your service in advance, you can pre-register by contacting the
registration department prior to your service. If you pre-register, your
wait time may be reduced by 10 minutes or more. When you come to the hospital
on the day of your service, please bring your insurance card, photo ID
and the order from your physician. If at any point in our registration
process you have not experienced our commitment to excellence, please
ask to speak with a member of management.
Q: Why do I have to show my ID each time I visit the hospital?
A: Our primary concern is for your health and safety. We request your identification
to ensure that we access and update the correct medical record. It’s
also to protect you from fraud. Statistics released by the Federal Trade
Commission indicate that more than 3.25 million Americans have had their
personal information used by someone else for illegal activities. By requesting
proof of identity, we are able to safeguard your personal medical and
Q: Why do I need to bring my insurance card to each visit?
A: In order to file an insurance claim on your behalf, it is necessary
to make certain that we have the most current and accurate information
about your insurance coverage and specific plan benefits. It is our policy
to verify your insurance information prior to or during each visit so
we may provide you the most accurate information.
Q: Why do I have to answer the same questions each time I am registered?
A: Many of the questions we ask are either required by your insurance company
or requested to ensure we have your most accurate information on file.
This information allows us to satisfy the requirements of your insurance
company and to file your claim with little or no involvement on your behalf.
If you have coverage with Medicare or Medicaid, the government mandates
that certain questions and forms be completed at the time of each visit.
Q: Why am I asked to pay my co-payment and deductible on the day of service?
A: It is our goal to provide you with a comprehensive overview of your
insurance benefits prior to receiving hospital services. Our process allows
you the opportunity to understand how your health insurance benefits will
be applied to the service and the opportunity to ask specific questions
about your insurance benefits. We will also take this opportunity to discuss
the financial options available for any amount not covered by your insurance.
In keeping with the terms of your agreement with your insurance company,
as well as the agreement between the insurance company and the hospital,
it is our practice to request that co-payments and deductibles be paid
prior to or on the day of service.
Q: How may I pay?
A: We accept payment by cash, check and most major credit cards.
Q: Do I need a referral?
A: If you have an HMO plan with which we are contracted, you may need a
referral/authorization from your primary care physician based on your
plan design. If we have not received a referral prior to your arrival
for your scheduled service, we have a telephone available for you to call
your primary care physician to obtain it. If you are unable to obtain
the referral at that time, your appointment may be rescheduled.
Q: What are my responsibilities for Outpatient Testing/Surgery?
A: If your physician recommends a minor procedure, a staff member will
be available to answer specific questions about the procedure scheduling
process, discuss the paperwork and tests involved, and complete all pre-certification/authorization
requirements that may be needed for your insurance company to pay the
maximum benefits on your behalf. You may be asked for a pre-surgical deposit,
the amount of which depends on your insurance coverage and deductible
amount. A cost estimate which shows your financial responsibility, based
on the benefit levels and coverage of your insurance plan, will be explained
by a staff member.
Q: What if my child needs Outpatient Surgery?
A: A parent or legal guardian must accompany patients who are minors on
the patient’s first visit. The accompanying adult is responsible
for payment of the account, according to the policy outlined above.
Q: Who can I speak to if I have questions or comments?
A: Registration and Billing are committed to providing excellent customer
service and require team members to pledge their commitment to this goal.
If at any time you have questions or comments regarding your insurance
coverage or your bill, please contact our Patient Accounts department.
For your privacy, we need verbal or written authorization from you, the
patient, if someone other than you is requesting information on your account.
Q: What does “Provider-Based” designation mean?
A: This is a Medicare status for hospitals and clinics that comply with
specific Medicare regulations. Medicare has determined that this hospital
has met these regulations and has been designated as such. This status
requires that the hospital send two separate bills to Medicare, one for
the facility and one for the physician. This means you may receive two
billing statements and two separate Explanation of Benefits statements
from your insurance company for one date of service.
Beneficiary: A person who receives benefits of any insurance plan or policy.
Claim: A request for payment for services submitted by the provider.
Coinsurance: A specified percentage of covered expenses which the insurance carrier
requires the beneficiary to pay toward eligible medical bills.
Co-pay or Co-payment: A specific set dollar amount contracted between the insurance company
and the beneficiary to be paid prior to any services rendered.
Covered Services: Services for which an insurance policy will pay.
Deductible: A specified dollar amount of medical expenses which the beneficiary must
pay before an insurance policy will pay.
Explanation of Benefits (EOB): A statement from an insurance company showing the processing of a claim.
Medically Necessary: Treatments or services that insurance policies will pay for as defined
in the contract.
Non-Covered Services: Services for which an insurance policy will not provide payment. These
services are to be paid by the patient at the time of service.
Pre-Certification/Authorization: A service-specific requirement that your insurance company’s approval
be obtained before a medical service is provided.
Provider: A person or organization that provides medical services.