Financial Information

Insurance

• Raritan Bay Medical Center 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 ID.
• If your admission is a result of a motor vehicle accident or from a work related injury, you are required to provide us with an insurance claim number along with the insurance carrier information.
• It is your responsibility to provide us with complete coverage information, such as; name, address and contact information for the responsible carrier (i.e.: motor vehicle insurance and/or workers compensation) to include a claim number. These claims must be initiated by you or your designee. This is done in an effort to prevent you from being completely responsibly for the entire claim.

Patient/Guarantor Responsibility:

• As a patient or the guarantor of the patient it is important that you supply Raritan Bay Medical Center with complete and accurate insurance information.
• It is important to remember that as the patient or the guarantor, you are responsible to notify your insurance carrier immediately of your admission and to comply with their policies concerning referrals and authorizations.
• Many carriers will periodically update their files regarding coordination of benefits (cob), pre-existing conditions and your dependents school status prior to making payment on medical claims. It is important that you provide this information, if requested, in a timely manner.
• In the event of an emergency admission, appropriate medical screening and treatment will not be delayed to verify your insurance information or your ability to pay.

What is included in your Hospital Bill:

• When you are treated in the hospital, the hospital bills for the use of the equipment, supplies, your room & board, etc., and the technical part of the ancillary testing. In addition to the hospital bill, you may also receive a bill from your primary physician, the emergency room physician or other physician groups involved in your treatment or for the professional reading of diagnostic tests.
• Hospital reimbursement is determined by Medicare, Medicaid, billed charges or it is based upon a contracted rate with the insurance carrier. These parties do not pay for hospitalizations that are not medically necessary. Upon determination that the hospitalization is NO longer medically necessary, you and your physician will be notified as required by State and Federal regulations.

Private Physician Bills
The hospital bill does not include fees of any treating physicians.

• Physicians’ fees are billed separately by physicians and are not part of the hospital bill. These include but are not limited to physicians in the following areas: anesthesia, emergency department, laboratory or radiology. You may receive separate bills from physicians who were either associates of your primary care physician or were called in for consultation by your primary physician during your hospitalization. These physicians will bill separately.
• If a physician’s interpretation or reading is required for diagnostic or therapeutic testing, you will receive a separate bill. In some cases, the physician may not participate with your insurance plan even though you have been approved for care at Raritan Bay Medical Center. It is always wise to ask your doctor or caregiver about their participation with your plan.

Payment

• If you do not have insurance coverage, a hospital bill will be sent directly to you shortly after discharge. If you have provided us with insurance information, you will be billed for any charges, deductibles, co-insurance amounts not paid by your insurance carrier. Your prompt payment of any balance due is appreciated and necessary to afford collection activity.
• For your convenience Raritan Bay Medical Center accepts cash, personal check, money orders, AMEX, VISA, MasterCard or Discover for payment.

Information about Financial Assistance
State Funded Charity Care

• Raritan Bay Medical Center participates with the State Funded Charity Care Hospital Subsidy Program. This cost based subsidy has specific guidelines and regulations associated with income, family size and assets. This program covers only medically necessary services and patients must apply to determine eligibility. Physician charges are NOT covered. Please contact the financial assistance department.
• The patient is responsible for providing all required information and will continue to receive bills until a determination has been made.
• Financial Counseling is available Monday to Friday at the Perth Amboy location.

Hospital Based Financial Assistance

• Raritan Bay Medical Center understands that not all patients are covered by health insurance. For our patients that are not covered by health insurance and do not meet the charity care guidelines, we provide a ‘patient-friendly’ discount. This discount is automatically taken at the time of billing, so no request is needed.
• In addition to our discount, patients that cannot afford to pay their balance in full may request monthly payment plans. You must contact our business office to request a monthly payment by calling 732.324.5059.

Financial Counseling
Available Monday to Friday at the Perth Amboy Location, 9 a.m. – 1 p.m., call 732. 324.3314.
The hospital has financial counselors to assist you regarding the assistance process.

• We encourage all applicants to apply as near to the time of service as possible. All patients have ONE year from day of service to apply for financial assistance.
• The patient is responsible for providing information during the qualification process and will continue to receive bills until all qualifications and criteria have been met.