Payment for our services can be made in any number of ways. Our primary source of payment is through patients' insurance coverage. It is important for you to understand the terms of your insurance coverage. Familiarizing yourself with your insurance coverage will help you better understand your hospital bill. Click here to view a list of participating insurances for AGHS providers.
Maryland Health Services Cost Review Commission (HSCRC)
Hospital Bills and Insurance
On-Line Bill Payment
If you have health insurance
If you are covered by Medicare
If you do not have insurance
If you are unable to pay your bill
Your Hospital Bill
Questions
Maryland Health Services Cost Review Commission (HSCRC)
The HSCRC is the regulatory agency that sets the approved rates for each hospital in Maryland. Each hospital's rates can differ from each other depending on a variety of factors. Such factors can include: the range of services offered, the hospital's size, the population mix in terms of age, gender, race, etc., and the degree of illness of its population base. We charge all of our patients the same, based on our approved HSCRC rates, regardless of whether you as a patient have insurance, have limited insurance, or have no insurance. Unlike other states, Maryland will not allow you to negotiate your rates in any way.
Hospital Bills and Insurance
Health insurance providers may have special requirements, such as a second surgical opinion or pre-certification requirements, before your admission. If the plan requirements are not followed, you could be held financially responsible for all or part of the services received in the hospital. Click here to view a list of participating insurances for AGHS providers.
If you have a co-pay or a deductible, it will be due at the time of service. If you pay your bill at the time of discharge, you will be granted a 2 percent discount. If you pay within 30 days of receiving your bill, you may take a 1 percent discount. View this helpful video about co-pays and deductables.
On-Line Bill Payment
You can currently pay your bill online with our secure billpay form. Please be sure to have your current bill handy to reference the invoice number and amount owed. Visa, MasterCard, and Discover Card are accepted.
If You Have Health Insurance
We will need a copy of your health insurance card(s). We may also need the insurance forms which are supplied by your employer or insurance company. You will be asked to assign benefits from the insurance company directly to the hospital, which allows your insurance company to mail payment directly to the hospital.
If You Are Covered by Medicare
Please bring your Medicare card with you to your visit, so that we can make a copy of it. We need your Medicare card to verify eligibility and to process your Medicare claim. You will be required to complete a Medicare Secondary Payer Questionnaire. This allows Medicare to maintain updated information on Medicare recipients and helps our Financial Counselors determine if Medicare is your primary or your secondary insurance. All deductibles and co-payments are your responsibility. For answers to frequently asked questions about Medicare coverage, please see the booklets Medicare and You and Your Medicare Benefits. These booklets and others available from the U.S. Government can be downloaded as PDFs or ordered online through the links above, or ordered by calling (800) 633-4227.
If You Do Not Have Insurance
Payment is due at the time of discharge. If needed, one of our Financial Counselors will discuss financial arrangements with you or will assist you in applying for Medical Assistance or one of our other programs available.
If You Are Unable to Pay Your Bill
In certain circumstances, financial assistance may be available for patients who are unable to pay their hospital bill.
Your Hospital Bill
The hospital will submit a bill to your insurance company and will do everything possible to expedite your claim. Once payment is received from the insurance company, you will be billed for any remaining balance.
You will receive a bill from the hospital. You may also receive separate bills from other health providers that we work with regularly. Examples of these other health providers are: Atlantic General Health System, your private physician, Delmarva Radiology, Peninsula Cardiology, Delmarva Heart, Emergency Services Associates. There may also be others depending on the services you received. If you have questions, please call the telephone number provided on the bill. If your physician is associated with Atlantic General Hospital or the Atlantic General Health System, his or her phone number can be found here. (hyperlink here to "find a doctor" page)
Questions
If you have a question about your insurance and/or charges, please call our Patient Accounting department at (410) 641-9101 Monday through Friday from 9:00 a.m. - 4:00 p.m.