Understanding Your Insurance
Co-Pay: A co-pay is a fixed amount you pay for a health care service, usually when you get the service. For example, a doctor's office visit might have a co-pay of $30. The co-pay for an emergency room visit will usually cost more, such as $250. For some services, you may have both a co-pay and coinsurance.
Deductible: A deductible is the amount you pay for health care services before your health insurance begins to pay. For example, if you have a $1500 deductible, you will pay the first $1500 of your medical bills...After that, you share the cost by paying co-pays and coinsurance.
Coinsurance: Coinsurance is your share of the costs of a health care service. It's usually figured as a percentage of the total charge for the service. You start paying coinsurance after you've paid your plan's deductible. For example, if you have an "80/20" plan, your insurance will cover 80% of the charges and you will pay 20%.
Patients with a medical emergency will always be treated, regardless of their ability to pay.
Payment will be requested at the time of service, but will not interrupt or delay emergent care.
Co-pay is determined by your insurance and will generally range from $20 to $250.
If you are uninsured, the co-pay is $150.
The co-pay does not cover the entire cost of the visit. Depending on your insurance coverage, you may need to pay additional charges for your visit.
Physician Office Visits
Payment will be prior to your visit.
Co-pay is determined by your insurance.
If you are uninsured, the co-pay is $50.
The co-pay may not cover the entire cost of the visit. Depending on your insurance coverage, you may need to pay additional charges for your visit.
Including Radiology, Obstetrics, and Surgery that is not an emergency, Physical/Occupational/Speech Therapy, and Cardiac Rehab.
Whenever possible, you will be contacted before your appointment with an estimate of what your portion of the bill will be, based on your insurance.
The payment may not cover the entire cost of the visit. Depending on your insurance coverage, you may need to pay additional charges for your visit.
The insurance plan you choose determines how much your co-pay, deductible, and coinsurance amounts are.
Some insurance plans do not require a co-pay for ER and/or physician visits, examples are:
- Traditional Medicare with a supplement
- Veteran's Affairs (VA)
- Worker's Compensation
Many Medicare Advantage plans DO require a co-pay.
Some Medicaid plans DO require a co-pay.
Our goal is to find out if patients need help paying their bill and get them into the program that best meets their needs. Woodlawn Hospital has a strong Financial Assistance program for those needing help with the cost of their care.
Want to Know More?
Compassionate Care Program Information
Compassionate Care Application
Email a Financial Counselor
Feel free to call our staff for questions about your bill. Please call (574) 223-BILL (2455) or (574) 223-2001. Staff are available Monday - Thursday 8am to 7pm or Friday 8am to 5pm. You may leave a phone message.
Woodlawn Hospital is committed to the health and safety of the community so emergency treatment will never be delayed or denied as a result of this change.