Payment Options and Policies

Payment Options

 Payments may be made via:

  • Cash, check or money order
  • Master Card
  • Visa
  • Discover

If you wish to pay online by credit card please visit our secure Pay My Bill section.

Payment Policies

We want to make sure you receive the full benefits of your insurance coverage as well as consideration under our financial assistance programs, if applicable. Before we bill you, we bill your insurance provider, including Medicare and Medicaid, and any secondary insurance providers. We do not charge interest on any balance due after insurance payments are received. We will send you a billing statement showing the most current balance due from you. If you are not able to pay the amount you owe in full, you may contact us regarding applying for financial assistance or being set up on a payment plan. Emergency service will never be delayed or withheld on the basis of a patient's ability to pay.

St. Luke's is committed to serving the healthcare needs of the community, If you are concerned that you may not be able to pay for your care in full, please read about our financial assistance program or contact a financial counselor.

Co-payments/down payments

We ask for a co-payment and/or a down payment for services provided before you leave the hospital. If your test or procedure is elective and not covered by insurance, you will be asked to pay the estimated price at that time. You will be billed for any remaining balance.

If you have insurance

We submit your bill to the insurance company for payment. You are responsible to make sure your bill is paid in full. It is also your responsibility to be aware of exclusions, benefits, co-payments and deductibles in your insurance plan. We copy your insurance card each time you register to keep our records up-to-date.

To bill Medicare we must

• Ask questions to decide whether Medicare should be listed as the primary or secondary insurance. These questions must be reviewed each time of registration to ensure our information is accurate.
• Make sure any test or procedure ordered by the doctor is medically necessary. If Medicare does not consider the test or procedure necessary, you will be asked to sign a form agreeing to pay for the test or procedure.

Medicaid patients

If you have Medicaid, you must be eligible for coverage at the time of service and present a card for the current month. If the Medicaid card shows you have additional insurance, you must also present that insurance card.

If you do not have insurance

A financial counselor can help you decide if you qualify for any of the following programs:

Medicaid/Title 19

If you meet the rules for Medicaid/Title 19, a financial counselor may refer you to a St. Luke's to Patient Financial Coordinator/Certified Application Counselor (PFC/CAC). This person can answer your questions and help you complete an application. They are available by appointment, to schedule please call (319) 369-7975.

Financial assistance

If you are not able to pay your entire bill, you may qualify for financial assistance.
The amount of assistance you receive depends on:
• Household income
• Number of dependents
• Your assets

Payment arrangements

If you do not qualify for Medicaid/Title 19 or financial assistance, you will be asked to make payment arrangements. The amount you pay monthly will be based on the balance of your bill and the time listed in our guidelines.