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Patient Financial Resource Center

I have health insurance and would like an estimate for a procedure at Tanner.

What Will My Care Cost?

Knowing how much your medical care may cost is an important component to planning your care. Tanner is constantly working to ensure that the cost for our services is competitive in the region and that the services provide exceptional value to our patients.

There are a number of factors that impact what you will pay for the care you receive, including the type of insurance you have, the physician performing the procedure, any necessary testing that accompanies the procedure (diagnostic imaging, such as X-rays or an MRI scan, for instance, or lab tests) and others.

To help obtain as accurate an estimate as possible, please follow these steps:

Make Sure the Service You Need is Covered

Not all insurance plans cover all types of medical procedures. Contact your insurance company to ensure that the services you require are “covered services” under your plan. “Precertification” and other additional paperwork also may be required from your physician. Check your insurance card for a phone number that you can call to make sure the service you need is covered and to find out if any precertification or more information from your provider is necessary.

If the service you need is not covered by your insurance plan, please see the information for patients who do not have health insurance to learn more about the resources available to you, including discounts provided by Tanner and other financial assistance programs.

Gather the Information Needed to Make an Estimate

Your out-of-pocket cost for care is determined by a number of different factors. What does your insurance plan cover? How much is your deductible, and have you met it? What types of pre-screening are necessary before the procedure (lab tests, diagnostic imaging studies, etc.)?

To enable Tanner to provide as accurate an estimate as possible, please gather the following:

  • A description of the services required - Get as much information as you can about the specific services your physician says you’ll need. What, specifically, is the procedure called that you need? Will he or she discharge you from the hospital within 24 hours of the procedure (outpatient), or will an overnight stay in the hospital be necessary (inpatient)? If inpatient, how many days are you expected to remain in the hospital? What type of anesthesia will be necessary, if any (general, local, nerve block, etc.)?
  • Information about your physician - Make sure you know your physician’s name and the name of his or her practice.
  • Your insurance card - You’ll need to provide Tanner with some important information presented on the insurance card, including the name of your insurance company, your policy holder’s name, the type of policy you have, the group name and number for your policy, the insurance company’s phone number and more.
  • Personal information about the policy holder - Tanner will contact the insurance company to gather more details on your coverage and how that impacts your out-of-pocket costs. The insurance company will require the health system verify some information on the policy holder (for instance, the spouse or parent who pays the premium for the coverage). Make sure you have the policy holder’s full name, Social Security number and date of birth. This information is used to prevent individuals from fraudulently using someone else’s insurance coverage to obtain care.

Contact a Tanner Patient Financial Services Specialist

Once you’ve gathered the above information and verified your coverage through your provider, you’re ready to speak with a Patient Financial Services specialist who can provide you with an estimate for your care.

You can speak with a Patient Financial Services specialist by calling 770-812-9566. He or she will ask questions pertaining to your insurance and procedure to provide the estimate.

Remember: The estimate from Tanner relates to your hospital bill only. It will reflect the charges that the hospital may apply, but the estimate does not reflect the total cost of your procedure. The estimate does not include charges from your physician, the anesthesiologist, pathologist, radiologist, laboratory and others. You will receive separate bills directly from those providers. It also does not reflect unforeseen costs related to your care, such as any special accommodations or considerations necessary, medical complications that arise or aftercare that you may require.

Ready to Receive Care at Tanner?

Once you have your estimate from Tanner and have decided that you’ll go forward with your procedure at a Tanner hospital facility, call your physician so his or her office can schedule your procedure.

For some procedures, a pre-surgical appointment at the hospital where your procedure will be performed will be necessary. This will provide an opportunity for a nurse to gather a more complete medical history on you and offer more education about the procedure, how to prepare and your aftercare and recovery. It is important that you keep this appointment and all appointments scheduled by your physician leading up to and following your procedure.

On or before the date of service, you will receive an estimate of the amount you will owe. If payment is made at time of service, Tanner will offer you a 15 percent prompt pay discount.

Claims and Reimbursement

After your services at the hospital are complete, a bill — or claim — will be sent from the hospital to your insurance provider. You also will receive a statement from the hospital enumerating the charges for the services you received.

Your insurance company may contact you for additional information. For instance, you may receive a letter in the mail asking you for more documentation relating to your care or to verify that your treatment did not result from an injury or accident for which another payor may be responsible (for instance, if you were in an automobile accident, the at-fault driver’s auto insurance provider may be the responsible payor for your care, or if the injury occurred on the job, your employer’s worker’s compensation plan may be responsible for your bill). It is important to respond to your insurance company promptly; failure to respond quickly may lead the insurance company to deny the claim and leave you responsible for the full cost of your care. 

It typically takes about 30 to 40 days for an insurance company to pay — or reimburse — the hospital for your care. Once payment has been received from your insurance company, the hospital may send you a bill for any remaining charges that you still owe (your insurance plan, for instance, may cover only 80 percent of the costs, leaving you responsible for the remaining 20 percent). If necessary, you may contact a Tanner Patient Financial Services specialist to arrange a payment plan to meet your financial obligations and ensure an outstanding, unpaid medical bill does not negatively impact your credit or financial history.

Tanner Health System makes no guarantees regarding the accuracy of the pricing information provided through this site. This information is strictly an estimate of prices. Tanner cannot guarantee the accuracy of any estimates. All estimates are based on information provided by the prospective patient and do not include, among other things, any unforeseen complications, additional tests or procedures, and non-hospital related charges, any of which may increase the final cost of the services provided. Prospective patients should understand that a final bill for services rendered at Tanner may differ substantially from the information provided by this site, and Tanner Health System is not liable for any inaccuracies.