Financial Assistance Policy
Fishermen’s Community Hospital (FCH) mission is a non-profit community healthcare facility. We strive to continually improve the health status of our community, by providing high quality, cost effective health care, education and wellness. Community well-being in sour overriding goal and we strive to find new ways to keep the residents of our community healthy. We recognize the value of every person and are guided by our commitment to excellence.
To that end, financial assistance is available to the residents of the community who are uninsured or underinsured and do not have adequate financial resources to pay for medically necessary healthcare services. At the same time FCH will provide care for emergency medical conditions to individuals regardless of their eligibility for financial assistance or ability to pay for care.
Charity is not considered to be a substitute for personal responsibility. In order to manage its resources responsibly and to allow FCH to provide the appropriate level of assistance to the greatest number of persons in need, patients are expected to cooperate with FCH’s procedures for obtaining charity or other forms of payment or financial assistance. Payments from uninsured patients are consistent with payments negotiated with insurance companies.
Types of Financial Assistance
There are a variety of financial assistance programs available to patients after all other resources including applicable health insurance coverage, payment from third party payors and payments from Medicaid, Medicaid HMO plans, or other government sponsored programs have been exhausted. Financial Assistance Programs include the following:
- Charity Care provided by FCH
- Discounted Services for Catastrophic Care
- Discounted Services for Uninsured patients
How to Apply for Financial Assistance
FCH provides resources to uninsured and underinsured patients to assist them in completing a financial assistance application. A letter is sent to the patient with instructions on how to apply for financial assistance. The Financial Assistance application is available in the Business Office, Admitting Office, Emergency Room Registration, and at the Physicians Practice’s sites. Financial Counselors at FCH will also assist patients with completing the financial assistance application.
Patients are informed about our Financial Assistance process in a number of ways:
- Case managers and financial counselor are available to patients during their stay.
- Discussions about financial assistance occur when speaking to patients on the phone about their account balances.
- Information regarding our Financial Assistance Policy is located on our website.
Financial Assistance Determination
Financial Assistance is based on a sliding fee schedule taking into consideration Federal Poverty Guidelines, income, assets, family size and catastrophic medical costs. Financial Assistance ranges from 50% to 100% of the patient’s bill. Patients with household income below 100% of the Federal Poverty Guidelines who have no other substantial financial resources and are not eligible for Medicaid or other coverage, will be granted free care for medically necessary services. Patients with household income between 100% and 150% of the Federal Poverty Guidelines who have no other substantial financial resources and are not eligible for Medicaid or other coverage, will be granted a charity discount of 75% of charges. Patients with household income between 150% and 200% of the Federal Poverty Guidelines who have no other substantial financial resources and are not eligible for Medicaid or other coverage, will be granted a charity discount of 50% of charges. Patients with catastrophic medical bills will be granted a charity discount of 50% of charges if their income is between 200% and 400% of the Federal Poverty Guidelines and they have no other substantial financial resources and are not eligible for Medicaid or other coverage. FCH also provide an extended payment option for up to 24 months without interest for uninsured patients that cannot pay within 30 days of service.
Uninsured Patients Billing Practices
The first statement sent to an uninsured patient will reflect the full charges for the services provided. The following notice will be included on the patient’s first notification:
FCH offers financial assistance programs; If you are eligible, your bill maybe discounted, paid in full or offered interest free payment terms 305-286-6425.
FCHC has developed policies and procedures for internal and external collection practices that take into account the extent to which the patient qualifies for charity, a patient’s good faith effort to apply for a governmental program and a patient’s good faith effort to comply with his or her payment agreement with FCH.
FCH adheres to the laws of the Fair Debt Collection Practices Act and patients are treated with dignity and respect in line with our mission and values.