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Dealing with medical insurance concerns can often be confusing. Please call (401) 729-3059 with any questions regarding your healthcare bill and health insurance provider.

For any billing concerns not related to your health insurance, please contact a Memorial Hospital patient account representative at (401) 729-2632 or (401) 729-2120.

The hospital has several programs available to assist patients with payments, and we can establish reasonable payment plans for balances due. Our patient account representatives are happy to work with you so that you understand your hospital bills and create a payment program that meets your needs.

The hospital also offers a 40-percent discount on charges for patients who have no medical insurance and who pay for services received within six months. In addition, Memorial Hospital provides care without cost to qualifying patients whose income is at or falls below 200 percent of the current poverty level established by the Community Services Administration. Please contact a patient account representative for more information about these programs.

What is a deductible?
The amount you must pay for your own health expenses before your insurance will make a payment.  The amount is predetermined by your insurance policy.  

What is a co-pay?  The fixed amounts that you have to pay for prescriptions, visits to doctors’ offices, the emergency department, etc.  These do not count toward deductibles.

What is coinsurance? Even after a patient has paid bills that add up to the full deductible, some insurance plans require them to still pay a percentage of all future bills – although these costs may be capped.

What is a contractual agreement?
The difference between the insurance contracted payment amount and the amount of the charge.

What is explanation of benefits (EOB)?
Explanation of payments sent to sent to the provider and policyholder by the insurance company.

Who is the guarantor?
The person financially responsible for the bill.

Other Terms:

What is a health savings account (HSA)?
A tax-free account to which employers and employees in qualifying high-deductible plans can contribute.  The money may be spent on medical expenses approved by the IRS.

What is a health reimbursement account (HRA)?

A tax-free account funded only by an employers to reimburse employees in high-deductible plans for IRS-approved medical expenses.  What is a flexible spending account (FSA)?  An account funded only by employees with pretax earnings to pay for uncovered medical expenses.  These can include co-pays, dental work, eyeglasses, etc., but it can also be used for high deductibles.   What is a major difference between HSAs/HRAs and FSAs? Money is an HSA or HRA can accumulate year after year.  Money in an FSA that isn’t spent by the end of the year is forfeited to the employer.   

What is Medicare?

A federal insurance program which primarily serves those over 65 years or disabled people.  Medicare is made up of two components, Part A and Part B.   Medicare Part A – covers inpatient hospital services, skilled nursing facilities, home health care and hospice care.   Medicare Part B – covers doctor services, outpatient hospital services, durable medical equipment and supplies and health care.  

What is Medical Assistance/Medicaid?
Rhode Island Medical Assistance The Rhode Island Medical Assistance Program, also known as “Medicaid”, provides comprehensive medical coverage to seniors (age 65+) and people with permanent disabilities.  The following are Medical Assistance programs for eligible families and/or children up to age 19.   RIte Care Program RI’s Medicaid manage care program that provides comprehensive health care coverage through enrollment in participating health plans.  RIte Share Program RI’s Premium Assistance Program that provides health coverage through an employer’s health insurance.  The State will pay all or part of an eligible employee’s cost. Medical Assistance for Children with Special Health Care Needs Children with special health care needs may qualify for Medical Assistance due to their disability or condition.     

Have a Question? Call 1-800-647-4362 to speak with our physician referral service


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