Billing & Insurance

What you need to know about paying for your health care services, and the different payment options and programs available.

Health Insurance Billing

Guttenberg Hospital will bill your health insurance carriers, provided you submit all the necessary information. This includes Medicare supplemental policies. You are responsible for any portion of your charges remaining unpaid by your insurance and must remit payment within 30 days.

If your insurance carrier does not pay within 60 days you will receive a bill for the full balance. If you feel your insurance company should have paid your bill, please contact your insurance company or call Patient Accounts at (563) 252-1121 between 8 a.m. and 4 p.m. Monday-Friday.

It is also your responsibility to be aware of any exclusions, benefits, co-payments and deductibles outlined in your insurance plan.

Billing for services provided by Guttenberg Municipal Hospital and Cornerstone Family Practice are billed on one statement from GMH Patient Accounts. If another healthcare provider is involved with your care, we will share your billing information with that provider so they can file with your insurance company directly. Other providers may include emergency room physicians, anesthesiologists, ambulance services, radiologists and pathologists, just to name a few. Their charges are billed separately and are not included in your hospital bill.

Payment Options

GMH offers these payment options:

  • Cash
  • Check/money order
  • Debit cards
  • Credit cards: Visa, MasterCard, Discover& American Express
  • Automatic bank transfer
  • Care Credit (some restrictions apply—call 563-252-1121 for more information)

If you are concerned about your hospital bill, we have other options, which we can discuss with you, such as payment arrangements or assistance through our Charity Care

 

Health Insurance Marketplace

Under the Affordable Care Act, all individuals are required to have a health insurance plan or face penalties. Guttenberg Municipal Hospital offers Certified Application Counselors (CACs) who are specially trained to help individuals and families better understand and enroll in the Health Insurance Marketplace. For assistance, call the Family Resource Center or ask to speak to a social worker or GMH Patient Accounts.

Self-Pay/No Insurance

Patients who do not carry insurance coverage, who do not provide Guttenberg Hospital with adequate filing information, or who wish to file their own insurance claims are responsible for paying their hospital bill. Discounts are available to self-pay/no insurance patients. Please call Patient Accounts at (563) 252-1121 for more information.

Past Due Accounts

If your account becomes past due, GMH will take appropriate action to recover the amount due. If there is a problem with your account it is your responsibility to contact our Patient Account Specialists to discuss a workable solution.

Certain circumstances occasionally may make it difficult to pay your bills on time; therefore payment plans may be arranged through our Patient Account Specialists. Learn more about financial assistance. Apply for financial assistance.

Medicare Benefits

Medicare requires that all tests have supporting diagnoses to demonstrate the test is medically necessary. If your physician orders a procedure or service that Medicare deems to NOT meet medical necessity, you will be asked to sign an Advance Beneficiary Notice (ABN). The ABN informs you in advance that Medicare is not likely to pay for the procedure or service, and that you will be responsible for payment. By signing the ABN, you are indicating that you understand and are willing to proceed with the procedure. You will then receive a hospital bill for payment of the service(s) provided.

You can agree to be financially responsible for the procedure by signing the ABN form, or you can refuse the tests or services. If you refuse the tests or services, you will be asked to sign a form indicating you have elected not to have the services.

Senior Health Insurance Information (SHIIP) for our Medicare Patients

Guttenberg Hospital is a local sponsor of a SHIIP counselor. SHIIP exists to helpseniors or those on Medicare/Medicaid with questions and concerns about their insurance. Our counselor can answer questions regarding Part A or Part B or Medicare, supplemental insurance, Managed Care, Part D prescription coverage and Long Term Care insurance.

Our SHIIP counselor is available Tuesday and Thursday, 8 a.m. to noon, and Wednesday, 1 p.m. to 4:30 p.m, at the Family Resource Center located at 222 South River Park Drive in Guttenberg. Please call (563) 252-3215 for an appointment.

Services Not Billed by Guttenberg Municipal Hospital

During your stay, you may receive treatment from providers who will bill separately for their services. GMH will give your insurance information to these providers. If you have questions about their bills, please contact them directly. Examples of separate services:

  • Ambulance services other than Guttenberg Ambulance
  • Radiologists (physicians who read and review X-rays)
  • Pathologists (physicians who interpret and diagnose changes in tissues and body fluids)
  • Visiting Surgeons not employed by Guttenberg Municipal Hospital
  • Contracted Services including Midwest Sleep Lab and Northeast Iowa Behavioral Health

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