Financial Assistance for Those Unable to Pay the Full Cost of Care
Jewish Hospital & St. Mary’s HealthCare is a part of Catholic Health Initiatives (CHI), a nonprofit health organization with a longstanding commitment to assist those who seek our care, regardless of ability to pay.
If you are unable to pay for all or part of the care you receive from our hospital, you may be eligible for free or discounted services. Please read the information below to understand:
- How eligibility for financial assistance is determined
- How to apply for financial assistance.
This information is a summary of the national CHI policy. Please click here to read the policy in full.
PLEASE NOTE: Any patient seeking emergency care will be treated without regard to ability to pay.
How eligibility for financial assistance is determined
To determine your eligibility for financial assistance, we consider:
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The medical necessity of services received. In short, medically necessary services save your life, make you well, or prevent a medical condition from becoming worse. There is a detailed definition of medically necessary services in the CHI policy. Medical necessity will be determined by a physician. In determining medical necessity, we follow all requirements of the federal Emergency Medical Treatment and Active Labor Act and applicable laws and regulations.
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Your ability to pay for the services. We look at income, family size, available resources and expected future income (minus living expenses). You may qualify for 100% of your care provided for free, or a discounted charge under one or both of these criteria:
- Your family income is low. Free care may be available to patients with family income less than or equal to 130 percent of the Department of Housing and Urban Development (HUD)very low income guidelines for the area; and/or
- You are considered medically indigent. This means that paying the full cost of your medical care, after any health insurance payment, would cause you to become impoverished. This could apply if you are uninsured, underinsured, or suffer a catastrophic illness.
How to apply for financial assistance
When you are registered as a patient, we will ask about your coverage for health care services. If you don’t have coverage or it is not likely to be sufficient, we will either give you a packet of information that covers our financial assistance policy or offer the immediate assistance of a financial counselor, who will go over the financial assistance application with you.
You will need to complete the Financial Assistance Application form, provide all information it requests, and submit it to us. If it is determined you are eligible for assistance, we will notify you and let you know how much assistance is available. If it is determined you are not eligible for assistance, we will let you know that in writing and give a brief explanation of the reason.
It’s important to note that if you do not have insurance, you will not be charged more for services than the amount generally billed to those who have insurance.
Questions?
Once again, this is a summary of the CHI national financial assistance policy. You can read the full policy here.
If you have any questions about qualifying or applying for financial assistance, please contact:
- Cancer and Blood Specialists--
- Frazier Rehab Institute--
- Jewish Hospital Downtown Medical Campus--
- Jewish Hospital Medical Center East--
- Jewish Hospital Medical Center Northeast--
- Jewish Hospital Medical Center South--
- Jewish Hospital Medical Center Southwest--
- Jewish Hospital Shelbyville--
- Our Lady of Peace--
- Southern Indiana Rehab Hospital--
- Sts. Mary & Elizabeth Hospital--
About Your Bill
You will be billed separately by your physician, by consultants requested by your physician, the radiologist and the pathologist.
Hospital Insurance
You will be billed only for the amount that your insurance does not cover.
Medicare or Medicaid patients who sign the necessary forms upon admission pay only the deductible amount and for services or accommodations not covered.
If we are unable to verify your insurance or extent of coverage, a deposit may be required along with full payment of your bill at discharge.
Because charges for medicine or treatment during the 24 hours before discharge may not appear on your hospital bill, a final bill will be mailed to your home a few days after discharge.
Charge Cards
MasterCard, VISA, Discover and American Express are accepted.
Discharge Planning
Jewish Hospital provides discharge planning for all hospital patients. Planning for discharge begins upon admission to the hospital and continues through the patient’s stay. The goal of discharge planning is to make appropriate arrangements for post hospital care by the time the patient is ready to leave the hospital. Emphasis is placed on continuity of care and the patient’s readiness for discharge.
The care manager coordinates discharge planning, working with the patient, family, physician and other members of the health team. This process includes a discharge planning evaluation of the likelihood of a patient’s need for post hospital services and the availability of those services. The care manager will discuss the results of the evaluation with the patient or individual acting on his or her behalf.
Jewish Hospital may transfer or refer patients to appropriate facilities, agencies or outpatient services, as needed, for follow-up care. Jewish Hospital will counsel a patient being discharged about home health services and will provide information about home health agencies from which the patient can choose.