Every insurer, whether Medicare, Medicaid or commercial, pays the hospital differently and shares the cost with the patient differently. In fact, what kind of health coverage you have is a major factor in determining what you will pay. If you have commercial insurance, contact your insurer to confirm your coverage and your share of the costs. Your share will depend on your specific health care policy and any out of pocket costs you have already paid during the year. Also, many commercial insurance companies negotiate discounts with individual hospitals that are not reflected in billed charges.
After your insurance company has reviewed your hospital bill and paid its portion, the hospital will bill you for your part of the bill. Most insurance plans require patients to pay part of their hospital bill. If you have questions about your insurance, please contact your insurance company.