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Plain Language Summary

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In the spirit of our mission to serve as a compassionate and transforming healing presence within our communities, we are committed to providing healthcare services to all patients based on medical necessity.

For patients who require financial assistance or who experience temporary financial hardship, we offer several assistance and payment options, including charity and discounted care, short-term and long-term payment plans and online patient portal payment capabilities.

Uninsured Patients

We extends discounts to all uninsured patients who receive medically necessary services. Uninsured discount amounts are based on Federal Poverty Level (FPL) guidelines.  Patient statements will show the discount amount and the adjusted balance owed.

Services such as cosmetic procedures, hearing aids and eye care that normally are not covered by insurance are priced at package rates with no additional discount. All payments are expected at the time of service.

Short-Term and Long-Term Payment Plans

Patients who cannot pay some or all of their financial responsibility may qualify for short-term or long-term payment plans.  Our short-term payment plan is interest-free and patient balances must be paid within one year.  Longer term interest-bearing payment plans are available for those patients who cannot pay their balances within ninety days.  

Financial Assistance / Charity Care Policy

A 100 percent discount for medically necessary services is available to patients who earn 200 percent or less of the Federal Poverty Level guidelines.  Elective services such as cosmetic surgery are not included in our charity program.

Those who earn between 200 and 500 percent of the Federal Poverty Level guidelines may be eligible for a partial discount equal to the Medicare discount rate.   Patients who qualify for financial assistance will not be charged more than the Medicare discount rate.

Patient copays and deductibles may be eligible for discounted rates if a patient qualifies for financial assistance and earns less than 200 percent of the Federal Poverty Level Guidelines.

Discounts are also available for those patients who are facing catastrophic costs associated with their medical care.   Catastrophic costs occur when a patient’s medical expenses for an episode of care exceed 20 percent of their income.   In these cases, patient copays and deductibles may also be included in the discount.

Charity care discounts may be denied if patients are eligible for other funding sources such as a Health Insurance Exchange plan or Medicaid eligibility and refuse or are unwilling to apply for these sources.

Applying

To apply for financial assistance, please complete and submit the application. Please refer to the checklist to ensure you have all of the required documentation necessary to complete the application process.  A complete version of our Financial Assistance Policy is also available here.

Patient Financial Services

Financial counselors are available to work with patients in completing financial assistance applications in order to determine what assistance is available. This includes assessing eligibility for Medicaid and Health Insurance Exchange plans.

Patients may contact a financial counselor at the hospital where they have care who can assist in determining qualifications for financial assistance.   Financial counselors can also provide free copies of the Financial Assistance Policy, Application, and Plain Language Summary. Financial counselors are located on the first floor in the Patient Access Department and can be reached by phone at 856-968-2502. The Financial Assistance Policy, Application and Plain Language Summary is translated into over one-hundred languages through the use of Google translator located on the website.

The Health Insurance Marketplace

The Affordable Care Act (ACA) requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. It also gives millions of individuals with too little or no insurance, access to health plans at different cost levels. The law also provides financial assistance to those who qualify based on family size and income. Learn more about the Health Insurance Marketplace at healthcare.gov.

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