Hospital and Insurance Billing
Frequently Asked Questions
• Why am I getting a bill?
• When will I receive my bill?
• How is my balance calculated?
• When is my co-payment/deductible due?
• Why am I receiving multiple bills?
• What is Cottage Health System's payment policy?
• How do I know when my claim is paid?
Why am I getting a bill?
The hospital has submitted your claim to your insurance company. The hospital is billing you for the portion determined to be your responsibility by your insurance company. See the Explanation of Benefits (EOB) provided by your insurance company for further details.
The hospital may not have your correct insurance information. It may be out of date or was not provided. Please contact Customer Service at (805) 879-8900 to update your insurance information.
Your insurance company may need additional information from you. Please be sure to answer all requests for information from your insurance company in a timely manner.
When will I receive my bill?
The hospital will work with your insurance company to ensure your claim has been paid appropriately. Your insurance company will receive all the necessary information needed to pay your claim. After all other resources for payment have been exhausted, you will be billed for the remainder due per you insurance policy terms.
If you have not received a bill 30 days after your visit, please contact Customer Service at 805-879-8900.
Self-Pay Patients (Patients who do not have any form of insurance):
Self-Pay patients will receive a bill soon after services are provided. Pre-scheduled self-pay services require a deposit before services are rendered.
Cottage Health System offers financial assistance to patients who do not have insurance through any third-party and meet income guidelines. Please contact 805-879-8900 to determine if you qualify for financial assistance. For more information, please see Financial Assistance page.
How is my balance calculated?
Your balance is determined by your insurance coverage. The balance can include a co-payment, deductible or co-insurance, which are established by the terms of your policy. It is extremely important that you become familiar with your insurance policy and its benefits. For questions or concerns about how your balance was calculated, please review your Explanation Of Benefits and contact your insurance company directly.
When is my co-payment/deductible due?
Deductibles, co-payments, and deposits are due at the time services. If you have questions about any of these, contact the Admitting Department at (805) 682-7111, ext. 53688.
Why am I receiving multiple bills for the same date of service?
Your hospital bill only consists of charges for the use of hospital facilities. This includes room charges, nursing costs, equipment, pharmacy items, other ancillary services and supplies. Physicians bill according to their hourly fees for supervision, interpretation, or consultation involved in your care. Each physician will bill separately. This may include the Emergency physicians, Radiologists, Pathologists, Anesthesiologists, Surgeons, Assistant Surgeons, and Consulting Physicians. Cottage Health System will not be able to answer questions about ambulance or physician billing. Please contact them for questions, comments, or payment arrangements.
What is the Cottage Health System Payment Policy?
Once all payment options have been exhausted, you will receive your first statement. This is a summary of services rendered. If you would like an itemized statement, which reflects each supply, medication and service rendered, contact Customer Service at (805) 879-8900. Full payment is due when this first statement is received. However, as a courtesy to you, the hospital will send two additional statements. If you are unable to pay your balance in full, please contact our Customer Service representatives to make an acceptable payment arrangement. Patients can request an interest-free payment plan for up to six months. Interest-bearing payment plans beyond six months may also be arranged.
How do I know when my claim is paid?
Your insurance company will send you an Explanation of Benefits (EOB). This will explain the insurance company’s payment, any contractual adjustments and the amount your insurance has determined as your financial responsibility. Keep your EOB's for documentation purposes. If you have not received your EOB after thirty days, contact your insurance company.