Medical West is committed to delivering the best care possible and providing our patients the information you need to make good decisions about your health care.

Our goal is to provide patients with high quality care and the best possible experience, from registration through discharge.

We know that understanding billing, insurance and medical records may seem overwhelming at times. To make this process more transparent and help our patients understand their personal out-of-pocket responsibility, Medical West offers a direct line to speak with a financial counselor that will be happy to walk you through your expected costs and how much you may be responsible for paying depending on your insurance coverage and deductible.

For more detailed information about the costs associated with a specific procedure, please view our list of charges* or call our financial counselor at (205) 481-8605 Monday – Friday, 8AM – 4:30 PM for a more detailed estimate of your out-of-pocket expenses.

When calling our financial counseling hotline for an estimate – you will need the following three items for an accurate estimate of your out-of-pocket expenses:

  1. Detailed description of the test(s)/procedure(s) being ordered by the doctor.

  2. Doctor’s name and office phone number.

  3. Insurance information (if any), including insurance company name and phone number, policy holder name, policy number and group number located on the insurance card.

 

*These amounts represent the usual and customary charges billed They are not necessarily an estimate of amounts due.  For a more detailed estimate of the out of pocket costs associated with services please contact your health insurance plan or call our patient estimate line at (205) 481-8605.

 

Resources for Consumers

  • How much money do I really owe?

    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.

  • What if I don't have insurance?

    If you are uninsured and need hospital services, it is important that you contact the hospital billing office at (205) 481-7889. We can help determine if you qualify for government-sponsored assistance. Depending on your income, you may also qualify under the hospital's financial assistance policy for discounts and even free care. Payment plans may also be available to help pay for your care.

  • What are Medicare and Medicaid?

    Medicare is a federal health insurance program for people age 65 or older or under 65 with certain disabilities or conditions.

    Medicaid is a joint federal and state program that helps with medical costs for people with low incomes.

    If you have Medicare or Medicaid, the government sets the payment rates for hospitals and other providers, and those rates generally do not cover the full cost of the care provided. As with commercial insurance, there may be some out-of-pocket costs.

  • How do I know if my providers are "in-network" or "out-of-network"?

    If you don't know, check with your insurer. Out-of-network hospitals and other providers have not been able to negotiate a discounted price with your insurer, thus making you potentially responsible for higher personal payments. In fact, some insurers require enrollees to seek care exclusively from a specific list of hospitals and physicians under contract with the insurer for the service to be covered. Consumers who choose a provider that is "out-of-network" may even be responsible for the entire charge. Even if your hospital is in-network, you may receive care from an out-of-network physician.

    If possible, always find out if all physicians who will treat you are within your health plan's network. This includes but is not limited to anesthesiologists, pathologists, radiologists or consulting doctors. If they are not within network, ask if they will accept in-network payment for services provided to you. If you're concerned that your doctor may be out-of-network, contact your insurance company.

  • Who will bill my insurer for my hospital stay?

    After you receive care, Medical West will bill your insurer for your care. Your insurer will send you an Explanation of Benefits (EOB) that prominently states ?This is not a bill.? Bills for any amounts you owe will be sent separately by the hospital and other providers who cared for you while you were in the hospital. EOBs provide a summary of the charges submitted to the insurer for payment, the amount that the insurer paid on your behalf and any amounts that you are responsible to pay under your policy. If the insurer has negotiated discounts with the provider, the discount will be the difference between what the hospital or other provider charged and what the insurer paid plus the amount you owe the provider.