Balancing health care costs can be a challenging process, especially as resources, programs and insurance coverage all vary with each person. Spartanburg Regional Healthcare System is committed to giving patients all the information they need regarding cost so they can make informed decisions about their care.
Why do prices vary so much between hospitals?
There are several reasons why prices vary:
- Insurance companies, Medicaid and Medicare all negotiate their own prices with hospitals nationwide
- A patient’s level of insurance coverage for in-network and out-of-network providers
- Government benefits accepted at the hospital
- Need-based financing from the hospital or private charities
How much will it cost for me?
Your physician will create a treatment plan for you based on your unique needs, condition, medical history and his or her area of expertise. Second opinions are often helpful in exploring options and cost, in addition to easing patient anxiety. However, insurance coverage is still the most important factor in determining the cost of care. Payments made out-of-pocket, funds from health reimbursement accounts and other sources may contribute toward a plan’s deductible depending on the insurance company’s policy.
For patients without insurance coverage, or who have limited financial resources, Spartanburg Regional has established a Financial Assistance Program to help cover the cost of health care for families in need.
What if I’m uninsured?
We can help you determine if you qualify for Medicare, Medicaid, or other programs sponsored by the government or hospital system. We can also give you an estimate of what your costs will be and work with you on a payment plan if necessary. Health insurance may also be available for you at healthcare.gov, a website created under the Affordable Care Act. Depending on your income, you may qualify for tax credits to help pay the premiums of your new insurance.
Will the hospital bill my insurance company directly?
Yes, we will send a bill to your insurance company after you leave the hospital. Once the claim is processed, they will send an Explanation of Benefit statement in the mail to inform you of the charges and treatment you received. Any payments due to the hospital after insurance will be listed in these forms.
MyChart offers an online payment option that helps you track progress and the remaining balance due.
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Where can I find information about hospital quality and outcomes?
The South Carolina Hospital Association created myschospital.org to provide access to reliable information about the quality and safety of hospital care in the region. Medicare Hospital Compare also offers in-depth data at medicare.gov/hospitalcompare.