Frequently Asked Questions About Paying My Bill at Martin Memorial
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Q: What’s the best way for me to pay my hospital bills?

A: When making medical payment decisions, make sure you know:

• An estimate of the cost that your insurance will cover

• What you will have to pay out-of-pocket

• If you or your hospital physician’s office staff will be completing insurance forms

• Whether the Martin Memorial provider participates with your specific insurance plan

Q: What is a deductible and what is a co-payment?

A: A deductible is the initial amount of “covered” health costs that you pay before your insurance plan begins reimbursement. A deductible is usually a set dollar amount such as $250 or $500. A co-payment is the portion of your health care expenses not covered by insurance.

A co-payment is usually a percentage figure, like 10 percent or 20 percent. For example, on a $500 bill, your deductible might be $150, so you would have to pay the first $150. This leaves a balance of $350. Of that $350, your co-payment might be 20 percent, meaning that you will have to pay an additional $70. Your insurance company will pay the remaining $280. Once you have this information, there is a number of ways for paying your bill:

If your insurance pays all but a deductible or co-payment, you will be required to pay an estimate of your portion of the bill at the time of service. We will file the claim for you. After insurance has made payment, you will receive a bill asking for payment on the balance using cash, check, or credit card. Make sure that you understand what we require and what payment options you have.

Q: Who is responsible for paying my bill?

A: You are ultimately responsible for making certain that your bill is paid. We will bill your insurance company directly as a courtesy. If a balance remains after your insurance has issued a payment or a denial, payment is due immediately upon receipt of your statement.

We continually strive to contain costs, while maintaining our commitment to excellence in medical care, by ensuring that every appropriate effort is made to collect money owed to us for services provided.

Patients are responsible for the charges for services received. However, to assist patients in meeting their financial obligations, we will bill their health insurance carrier(s) for them, as long as a valid ID card and/or information regarding insurance coverage is presented at the time of registration.

Insurance is billed as a courtesy to the patient and the patient remains responsible for contacting their insurance carrier to ensure prompt payment of their accounts. Patients should contact their insurance if payment has not been made within 45 days. Accounts with balances due after 60 days will be billed to the patient, regardless of pending insurance benefits. Accounts with delinquent balance or without adequate payment arrangements may be forwarded to a collection agency or attorney.

At the patient’s request, a detailed inpatient bill may be provided. All outpatient bills are detailed. We will send periodic statements to the patient or responsible party in an effort to keep them informed as to the status of all open accounts.

Q: What other bill will I receive?

A: In addition to your bill from us, you may receive bills from other physicians who may have provided services to you. For instance, you may receive bills from consulting physicians, radiologists or other specialists. Please contact their offices directly if you have questions concerning their bills.

Q: Why didn’t my insurance pay?

A: This is something you’ll have to address with your insurance company. Please contact your carrier directly for this information.

Q: How do I make a payment?

A: Unpaid balances, including all applicable co-payments, co-insurance, deductibles and any non-covered services are the responsibility of the patient and must be paid within 30 days of receipt of the statement. Payments may be made via cash, check, or money order. We also accept Visa, Discover, American Express, Mastercard, Flex or HSA Cards.

Q: Can I pay my bill online?

A: Yes. Visit mmhs.com and click on the link that says Online Bill Pay.

Q: Who can I speak to if I have questions regarding my bill at Martin Memorial?

A: Contact us at (772) 223-5680 between 9 a.m. and 4 p.m. Monday through Friday. Or you can email us with billing questions at billing@mmhs-fla.org.