What is included in your Hospital Bill:
FINANCIAL ASSISTANCE GUIDE
Raritan Bay Medical Center (RBMC) prides itself on the quality and care we provide to our community. RBMC must charge and bill for all services rendered to our patients. The amount of the total charges will be dependent upon the extent of the services ordered and provided by your doctor and clinical team.
RBMC is contracted with most insurance plans. As a courtesy to our patients, we will submit our bill directly to your insurance carrier if one was provided upon admission. If you are covered by more than one insurance carrier please provide the necessary insurance information along with copies of your insurance cards at the time of registration. If you are enrolled in a Medicaid Managed Care plan please provide a copy of both your Medicaid card and your managed care card.
If you are uninsured or your insurance doesn’t cover all of the costs of your medical stay, there are Federal and State sources of financial assistance that you may qualify for. Our Financial Counselors are available to discuss with you what assistance you may qualify for, as the eligibility requirements of these plans are not all the same.
Aside from the programs listed below, Raritan Bay Medical also provides a self pay discount to those patients that do not qualify for financial assistance and are uninsured. Eligibility for the programs below are dependent on the income and asset criteria defined by the State of New Jersey. When you meet with one of our Financial Counselors, you will be provided with a detailed list of what you will need.
New Jersey Medicaid
In addition to our own Financial Counselors, Raritan Bay Medical Center has an on-site Middlesex County Medicaid representative and has also contracted with an outside company, CBIZ-KA Consulting Services, LLC, to assist our patients who meet the NJ Medicaid eligibility criteria, with the application process. There are many types of Medicaid available through the State of NJ
NJ FamilyCare is federal and state funded health insurance program created to help qualified New Jersey residents of any age access to affordable health insurance.
Who is Eligible for NJ FamilyCare?
Beginning October 1, 2013, new federal rules changed Medicaid eligibility. NJ FamilyCare will include: children, pregnant women, parents/caretaker relatives, single adults and childless couples. Financial eligibility will be determined by the latest federal tax return which, when filed, will be electronically verified.
Medical Emergency Payment Program for Undocumented Residents
This program will pay for emergency care provided by a hospital for people who would have been eligible for NJ FamilyCare/Medicaid but do not, due to their immigration status. The care must be for medical conditions that happen suddenly with severe symptoms that will cause a serious health problem if immediate medical attention is not provided.
If care is received in a hospital for a condition meeting the above criteria, the hospital, physicians’ and other related costs (including ambulance service) may be covered by this program.
Our Financial Counselors, CBIZ staff or our County Outreach worker can assist you with enrollment in the NJ FamilyCare Program. The enrollment process can also be completed entirely in your own home. By calling 1-800-701-0710 and giving your name and address, an application will be mailed to your home*, or you can download the application or apply online by going to the State’s website:
Presumtive Eligibility – Medicaid
Presumptive Eligibility (PE) for NJ FamilyCare offers temporary medical insurance for services provided by participating providers while NJ FamilyCare applications are pending an eligibility determination. Certified staff within acute care hospitals, federally qualified health centers (FQHCs), primary care provider offices and local health departments can “presume eligible” an uninsured patient presenting for care who appears to meet income and other eligibility requirements. Support documents are not needed for PE to be established.
New Jersey Hospital Care Payment Assistance (Charity Care)
The New Jersey Hospital Care Payment Assistance Program (Charity Care Assistance) is free or reduced charge care which is provided to patients who receive inpatient and outpatient services at acute care hospitals throughout the State of New Jersey. Some services such as physician fees, anesthesiology fees, radiology interpretation fees, and outpatient prescriptions are separate from hospital charges and may not be eligible for reduction.
Unlike Medicaid and NJ FamilyCare, which provides ongoing coverage for health care services, including physician services and drugs, Charity Care is designed to provide assistance to cover the costs of medically necessary hospital services only. In addition to our own Financial Counselors, RBMC has contracted with Self Pay Solutions (SPS) to assist our patients with the Charity Care process.
Who is Eligible for Charity Care?
Hospital care payment assistance is available to New Jersey residents who:
1. Have no health coverage or have coverage that pays only for part of the bill: and
2. Are ineligible for any private or governmental sponsored coverage (such as Medicaid); and
3. Meet both the income and assets eligibility criteria.
(Charity Care is also available to non-New Jersey residents, subject to specific State provisions)
In order to apply for Charity Care you must have a scheduled appointment for services within our hospital within 30 days or have received a hospital bill within the last 12 months.
It is the patient’s responsibility to complete the charity care application and supply all requested documents to the Financial Counselors’ Office. Please notify the registration team member when you have been approved for any service such as Charity Care or Medicaid.