Navigating the health care billing process may seem confusing, but Sharp HealthCare Patient Financial Services can help you every step of the way. Here you can find more information about payment options, health insurance, financial assistance, FAQs (frequently asked questions) and access our online billing tools.
If you have further questions, send us an email.
The billing process begins with your health insurance plan. Your health insurance benefits determine your co-payments (co-pays), coinsurance and deductibles for doctor visits, hospital stays, medications, lab tests and more. These are the amounts that you are responsible to pay beyond what your health insurance plan pays.
Here’s a quick breakdown of common billing terms you’ll find on a bill or statement:
- Co-Pay — A predetermined (flat) fee that you pay for health care services, in addition to what health insurance plan pays.
- Co-Insurance — Typically, the percentage of the amount you are required to pay for service, after a deductible has been paid.
- Deductible — The annual amount that you must pay before an insurance plan begins reimbursing for eligible services.
Sharp HealthCare accepts most health insurance plans. If you have questions about covered services, co-pays or deductibles, please call your insurance company to confirm your coverage and to confirm that your physician participates in its network. Of course, Sharp hospitals provide emergency care to all patients, and Sharp financial counselors are ready to help patients who don't have insurance. Review assistance options.
About the Billing Process
When you receive health care services at Sharp hospitals, medical offices or affiliated physician offices, you will be asked to provide your health insurance and personal information. This information will include presenting your health insurance card. If you have a scheduled visit or procedure, you may be asked for this information in advance of your appointment. This will make the check-in process much quicker for your scheduled visit.
After your visit, an insurance claim will be sent to your primary health insurance plan. If you have more than one health insurance plan, a claim will be sent to any supplemental insurance plans you may have. Once payment is received from your primary insurance plan, you will be billed according to your insurance benefits. The amount is reflected in your Explanation of Benefits (EOB) statement (sent by your insurance plan) as co-pays, coinsurance, deductibles, in-network and out-of-network services, etc. If you believe your responsibility is inaccurate or you have questions about your benefits, please contact your health insurance plan directly (check your insurance card or EOB for the telephone number).
It is not uncommon to receive statements and/or bills from more than one provider for one hospital admission or visit. Learn more about types of bills and contracted providers.