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Commonly Asked Questions

1. What are my options to resolve my balance?
2. Who can I contact if I have questions about my Statement?
3. Can I pay my statement online?
4. Why did I receive two statements?
5. Why do I have to give my insurance information every time I visit Olmsted Medical Center?
6. I would like an itemized copy of my services. How can I request one?
7. Should I contact my insurance company before coming to Olmsted Medical Center?
8. I keep getting bills from Olmsted Medical Center. Why don't you bill my insurance company?
9. I am also covered on my spouse's insurance policy. Will you send bills to both insurance companies?
10. I just got a call or letter from a collection agency. Why?
11. I can't pay my whole bill at once. Can I make payment arrangements?
12. Will I be asked to make any payment when I come to Olmsted Medical Center?
13. How much is my deductible and coinsurance?
14. If I don't have any insurance, how do I know how much to pay? Whom do I pay?
15. Do I need to bring anything with me when I come to Olmsted Medical Center?
16. What's the best way for me to pay my Statement?
17. What is a deductible? A-co-payment
18. Who is responsible for paying my bill?
19. Where can I get an estimate for the cost of a service or procedure at Olmsted Medical Center?
20. Did you bill my correct insurance?
21. What is pending with my insurance?
22. What do I owe?
23. Did you receive my payment?
24. Why didn't my insurance pay?

1. What are my options to resolve my balance?

   In keeping with Olmsted Medical Center’s mission to provide comprehensive, coordinated health care services to our patients, Olmsted Medical Center offers several programs to help patients with resolving their medical bills. These include:

   • Payment in Full
   • 0% percent bank loans
   • Payment plan arrangements
   • Financial Assistance
   • Olmsted Medical Center offers the services of Patient Financial Counselors to assist patients with resolving their balance.

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2. Who can I contact if I have questions about my Statement?

   You may Contact Us, weekdays from 7:30 a.m. to 5:00 p.m. Please be prepared to provide your guarantor number (you will find this number on your statement). We have also provided, below, answers to some of our patients' most frequently asked questions. If, at any time, you have a question regarding your statement, do not hesitate to contact one of our Patient Financial Counselors. They are eager to answer your questions and assist you in whatever manner they can.

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3. Can I pay my statement online?

   Yes, you may pay your statement online by clicking here.

   For assistance with paying your bill online, please see our Online Bill Questions or Contact Us.

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4. Why did I receive two statements?

   If you receive services at our Hospital location, you may receive a separate statement for physician services. There are several departments at Olmsted Medical Center from which you could receive a Hospital statement as well as a Clinic statement such as Emergency Department and Surgical Services. If you have any questions regarding any of your statements you can visit our Online Payment Portal or Contact Us.

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5. Why do I have to give my insurance information every time I visit Olmsted Medical Center?

   We ask for your insurance information every time you visit Olmsted Medical Center to ensure that our records are accurate and up to date. Patients and/or employers change insurance carriers with great frequency. To process your bill quickly and accurately, we ask you for your insurance information on every visit. This gives us the opportunity to verify your insurance coverage and benefits.

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6. I would like an itemized copy of my services. How can I request one?

   Contact Patient Accounts to request a copy of your itemized bill. You can expect to receive a copy of your bill within 7 to 10 days.

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7. Should I contact my insurance company before coming to Olmsted Medical Center?

   That depends on the services you are going to receive and your particular insurance policy and benefits. In general, it is a good idea to review your insurance policy and benefits before receiving medical services. In some cases—for instance, if you are coming in for laboratory tests or a chest x-ray—you may not need to notify your insurance company. However, for many other services—such as an inpatient admission, ambulatory surgery or any invasive diagnostic test/procedure—your insurance company may require that you notify them in advance. Lack of such notification could result in reduced benefits.

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8. I keep getting bills from Olmsted Medical Center. Why don't you bill my insurance company?

   Olmsted Medical Center will not submit a statement to you until your insurance has processed the charges or there was no response from your insurance in a timely manner. It is important that you respond to any communication from your insurance requesting information from you in order to process your claims. Contact your insurance company if you have any concerns about why they did not process a charge. Contact Us if you have any other questions regarding your statement.

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9. I am also covered on my spouse's insurance policy. Will you send bills to both insurance companies?

   Olmsted Medical Center will coordinate benefits for patients covered by more than one insurance policy. It is important that you provide the information for both insurances to us in order to submit claims to both.

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10. I just got a call or letter from a collection agency. Why?

    As part of our normal billing process, we make several attempts to assist you in resolving your balance. We determine the amount you are responsible for after we have received payment or denial of payment from your insurance company. You may receive notice from a collection agency if, after repeated attempts to contact you, we have been unsuccessful at resolving your balance.

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11. I can't pay my whole bill at once. Can I make payment arrangements?

    Olmsted Medical Center has monthly payment protocols based on your balance due. If you are unable to meet these monthly payments, Olmsted Medical Center also offers a 0% Bank Loan to assist in resolving your balance. This Bank Loan allows patients to fit a monthly payment within their budget. To discuss payment arrangements, Contact Us.

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12. Will I be asked to make any payment when I come to Olmsted Medical Center?

    Depending on the type of insurance you have, you may be asked to pay your co-pay, deductible and/or coinsurance.

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13. How much is my deductible and coinsurance?

    Your deductible and coinsurance amounts are determined by the insurance plan in which you are enrolled. This information should be included in your insurance benefits handbook. If you cannot find this information, or have other questions please contact your insurance carrier.

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14. If I don't have any insurance, how do I know how much to pay? Whom do I pay?

    If you have questions regarding the expected cost of your services at the Olmsted Medical Center, Contact Us. To help us provide the most accurate estimate, please have a copy of your physician’s order, the procedure name or CPT code and diagnosis ICD-9 code, if available. The Financial Counselor will be able to give you an estimated cost of your services. You may pay your bill prior to service at the Patient Accounts area. A receipt will be issued to you for your payment. Major credit cards are accepted.

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15. Do I need to bring anything with me when I come to Olmsted Medical Center?

    In addition to anything your clinician may ask you to bring in, please bring the following:

    • Insurance card(s)
    • Co-pay (if applicable)
    • Photo ID such as a driver’s license.

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16. What's the best way for me to pay my Statement?

    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 upon receipt of the statement. For your convenience we accept a variety of payment methods:

    • Cash/Check
    • Visa
    • MasterCard
    • Discover
    • American Express

    Payments can be made online by clicking here

    Payments can be mailed to Olmsted Medical Center at:

    Olmsted Medical Center
    Attn: Patient Accounts
    PO Box 4300
    Rochester, MN 55903-4300

    Please be sure to include your guarantor number with your payment.

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17. What is a deductible? A co-payment?

    • A deductible is the out-of-pocket fees you pay before your insurance plan begins reimbursement. A deductible is usually a set dollar amount, such as $250.
    • A co-insurance is the portion of your health care expenses not covered by insurance. A co-insurance is usually a percentage figure—for instance, 10% or 20%.
    • A co-pay is usually a set amount you owe per visit or per service. co-pays are usually associated with Emergency Room visits, physical therapy or other outpatient services. 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-insurance might be 20%, meaning that you will have to pay an additional $70. Your insurance company will pay the remaining $280. Once you have this information, there are a number of ways to pay your bill.

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18. Who is responsible for paying my bill?

    Olmsted Medical Center will file a claim to your insurance company (unless you specify otherwise). You are ultimately responsible for making certain that your bill is paid.

    If a balance remains after your insurance has issued a payment or a denial, payment is due immediately upon receipt of your statement.

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19. Where can I get an estimate for the cost of a service or procedure at Olmsted Medical Center?

    To obtain a price estimate for a test or procedure at Olmsted Medical Center, please Contact Us. To help us provide the most accurate estimate, please have a copy of your physician’s order, the procedure name or CPT code and diagnosis ICD-9 code, if available.

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20. Did you bill my correct insurance?

    To find the answer to these questions, please check your account details or Contact Us.

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21. What is pending with my insurance?

    To find the answer to these questions, please check your account details or Contact Us.

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22. What do I owe?

    To find the answer to these questions, please check your account details or Contact Us.

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23. Did you receive my payment?

    To find the answer to these questions, please check your account details or Contact Us.

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24. Why didn't my insurance pay?

    Please contact your insurance carrier directly to determine why they did not properly process your claim. This contact information can be found on the back of your insurance card.

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