Advocate BroMenn Medical Center
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Billing Frequently Asked Questions

about your hospital billAssistance with BillingBilling Frequently Asked Questions

Each health insurance plan offers different levels of coverage and reimbursement rates. If you have questions about your plan's coverage at Advocate BroMenn Medical Center, please call one of our financial counselors at 309.268.2279 or 309.268.5717. Below are some of the most common questions we receive from patients.

How do I know if Advocate BroMenn is contracted with my health plan?

To receive full insurance benefits, some health plans require patients to receive services at an "in-network" or "participating provider" hospital.  Please call your health plan to verify its requirements and to be sure Advocate BroMenn is in the network.

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If Advocate BroMenn is "out of network," can I still go there?

In an emergency you should go to the closest hospital. Your health plan will generally cover these costs or transfer you to an "in-network" hospital if it is safe to do so. If you elect to go to an "out of network" hospital in a non-emergency, you may be required to pay a larger deductible or a greater portion of your bill. Be sure you understand your "out of network" options with your health plan.

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How can I be sure my health plan will pay my hospital bills?

Some health plans require a patient to pre-certify certain services, or to notify them within a certain period of time after becoming hospitalized. If your hospitalization is not an emergency, we encourage you to review and understand your insurance card and benefit documents your health plan or employer has provided you. For elective procedures, you should talk to you doctor's office and your health plan about coverage. Please discuss any insurance eligibility or payment concerns with an Advocate BroMenn representative at the time of registration, or with a financial counselor as soon as possible.

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How will I know how much I owe?

Your health plan will send you an "Explanation of Benefits" notice which provides the amount it has paid, any non-covered or denied amounts and the remaining balance that you owe. Please review this carefully and call your health plan or the hospital immediately if you have questions or concerns. The hospital will also send you a bill for any remaining amount due (co-insurance, deductible, non-covered charges).  Many health plans have a co-payment or deductible amount that the patient must pay. You may be asked for payment of this amount at registration or discharge from the hospital.

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What if I don't have health insurance?

Be assured that emergency service will never be delayed or withheld on the basis of a patient's ability to pay. If you do not have health insurance, please call a hospital financial counselor at the number indicated below. The financial counselor will review payment and funding options that may be available to you. These could include applying for Illinois Medicaid, Kid Care or Family Care programs, bank financing, extended payment plans and charity care considerations. Should you need further assistance, please contact a patient financial counselor at 309.268.2279 or 309.268.5717. A printed Charity Care Application is available in English and in Spanish and can be completed and turned in to the financial counselor.  The counselor can also arrange for translation assistance if (s)he does not speak your language.

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