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As a patient, you are ultimately responsible for all services you receive from the physicians and staff at KDC. For patients who are minors, the guarantor (the person who accompanies the minor) will be responsible for the bill. KDC will be happy to file your insurance for you with your insurance company. KDC will work with each insurance company to help you receive maximum reimbursement on services provided. However, payment for services is still each patient's responsibility.
If you have health insurance from one of the insurance companies that KDC is contracted with, you will be responsible for your co-pay, any deductible that your policy has, and for any charges that are not covered by your insurance policy. The exact charges that are not covered will be determined by your insurance company. If you do not have insurance, you will be responsible for all charges for your care. Please remember that KDC does not accept all insurances. You may be responsible for all your charges if KDC is not contracted with your insurance.
Click here to view the list of insurance plans KDC accepts.
A deductible is the amount you must pay for health care expenses before insurance covers the cost of your care. It is not the same thing as a co-payment. A co-payment, or co-pay, is the pre-determined amount that your insurance policy requires you to personally pay for services, in addition to what your insurance will cover. Co-insurance is the amount of money that your health plan requires you to pay for services after your deductible has been met. Co-insurance is often a percentage. For example, you may be required to pay 20 percent of the charges and your insurance company will pay 80 percent.
Remember that King's Daughters Hospital is a separate entity from KDC even though our names are similar. When you are hospitalized, the hospital will bill you separately for your hospital charges. In addition, many times services that are provided in the hospital or hospital imaging center also have physician charges associated with the services. In those instances, you may get a bill from both, the hospital as well as a bill from your KDC physicians, for services they provided as part of your care. You may also receive services from non-KDC physicians (such as the emergency room physicians) if you visit the Emergency Room at King's Daughters Hospital. KDC provides a wide range of laboratory services for our patients, but sometimes certain tests are sent to another laboratory or health care facility for processing. This may result in the patient receiving a bill for the services provided by other facilities.
KDC will not send you a statement until your insurance has paid for the covered charges. Also KDC will not send you a statement if your account has been paid in full. Your cancelled check or the charge on your credit card bill will serve as your receipt for the payment. If you believe that a payment was not applied to your account, please call (254) 298-2665 and our customer service department will be happy to help.
There could be many reasons your insurance did not pay for your services. You should receive an Explanation of Benefits from your insurance company that should explain why they did not pay for certain services. Two of the most common reasons that your insurance does not pay for services are (1) you have not met your deductible and (2) services that you received are not covered by your policy. Always check with your insurance company if you have questions about what services they did or did not pay for.
In many situations, non-covered services are services that may be important to your health, but are services that your insurance does not pay for based on your policy. In other instances, they may be services that are considered experimental or cosmetic in nature and are not paid for by your policy. Check with your insurance company to find out what services are not covered by your policy.
Call King's Daughters Clinic Customer Service Department at (254) 298-2665 to request an itemized bill.
After you receive services from King's Daughters Clinic, you will receive a statement for those services if you did not pay your bill in full. If the services are not paid in full within 30 days, your next statement will show a balance forward amount.