Patient Financial Services
Your Health, Our Priority.
Humboldt Park Health is committed to treating all patients with respect and dignity, regardless of their financial situation. Emergency services will not be denied or withheld on the basis of a patient’s ability to pay. Financial Counselors are available to assist you with hospital bills, health insurance claims, financial assistance or charity care. If you do not have health insurance, please call a financial counselor at the number indicated below. The financial counselor will review payment and funding options that may be available to you. These could include applying for Illinois Medicaid, All Kids, Family Care, Illinois Crime Victims Fund, financial assistance or charity care.
Financial Counselors can be reached at 773-292-8369.
Visit Humboldt Park Health’s Self-Service Patient Estimate tool where patients can estimate healthcare costs as you plan for a health care procedure. This is an estimate based on the health insurance plan and the procedure(s) you select, and the information provided by your insurance company. The estimate will clearly show the estimated price of the procedure(s), your health plan benefits including deductible, co-insurance and co-pay, and your estimated out-of-pocket responsibility amount.
Accepted Insurance Plans
1. AARP/Amer Assoc of Retired
2. Advocate Health Centers/Advocate Masonic Medical
3. Aetna
4. Aetna Better Health
5. Allied Benefit Systems
6. Allstate Insurance
7. Ambetter IL
8. Beacon Health Options
9. Beacon Health Strategies
10. Blue Cross/ Blue Shield
11. Blue Shield
12. Blue Cross Community
13. CHAMP VA
14. Cigna
15. Cigna Healthspring
16. Community Care Alliance of IL
17. County Care
18. Coventry
19. Family Health/Wellcare
20. Gallagher Bassett/Claimedix
21. Harmony Health/Wellcare
22. Healthlink HMO
23. HealthSCOPE Benefits
24. Health Springs
25. Humana
26. Illini Care/Centene
27. IL Medicaid
28. Medical Mutual of OH
29. IL Medicare (NGS) Part A
30. IL Medicare (NGS) Part B
31. Key Benefit Administrators
32. Liberty Mutual
33. Meridian Health Plan
34. Meritain Health
35. Mutual of Omaha
36. Next Level Health
37. Sedgwick
38. Simply Healthcare
39. UMR Wausau
40. United Healthcare
41. UPMC Health Plan
42. NAPHCARE
43. Illini Care
44. Molina
45. Harmony
47. Welfare Funds/ Labor Funds
46. All Local Union Carriers
47. Federal Employee Program Insurance
48. City Of Chicago Employees Insurance
We accept all Medicare and Medicaid Replacement Plans
Payment Plan
We offer our patients the option of setting up a payment plan, and you may have up to 12 months to pay outstanding balances, interest-free, if balance is between $101-$1,500. Additional extended payment plans are available thru Curea/Fortiva Patient Loan Program available at our hospital. Additional payment plan may be made by the approval of the Director of Revenue Cycle up to 24 months to pay.
Physician charges are separate from hospital billing, therefore we are not able to establish payment plans for patients for any physician related bills. You will be required to make separate arrangements for those accounts with the physician/physician groups.
If you have questions about our payment plan requirements or need to set your account up on a payment plan, please contact Humboldt Park Health Customer Service at 1-877-624-9333.
Medical Payment Guidelines
| Account Balance | Maximum Number of Monthly Payments Allowed |
| $0 – $50 | 1 |
| $51 – $250 | 3 |
| $251 – $1,000 | 6 |
| $1,001 – $2,500 | 12 |
| $2,501 – $5,000 | 18 |
| $5,001 – $7,500 | 24 |
Greater than $7,500 Patient must secure outside financing. Please see our Patient Financing page for more details.
Account Discounts
Humboldt Park Health offers our patients with no insurance coverage (uninsured) a Self Pay discount of 72% on their billed charges.
If you are uninsured, you will automatically receive a discount of 72%percent from your total Hospital charges.
Charges which are elective or considered part of a package procedure are not eligible for discounts. These charges are already discounted at what is considered a package price for both the facility and physician charges.
Financial Counseling Services
Financial counselors are available to let you know how much you may be responsible to pay for your care. If you do not have health insurance and will be unable to pay for your care, then we will help you explore options and assist you in completing the applications to get the assistance you need.
Please call us at 1-877-624-9333 to discuss your account, or drop by the Financial Counseling office located in the Admitting office in the hospital.
Hours: 8 a.m. to 4:30 p.m. | Monday through Friday
Understanding Our Billing System
While we bill health insurance companies, it is the patient’s responsibility to check with the insurance company to make sure our facility and physicians are contracted with your health insurance company.
Patients are expected to make payment at the time of service. This includes any co-payments that may be listed on your insurance card.
As a patient at Humboldt Park Health you may receive multiple bills for services at our hospital or clinics.
One bill will come from Humboldt Park Health. It includes charges for the facility fee and any ancillary testing provided to you. This would include laboratory tests, X-rays and any specialized testing, surgeries, observations or inpatient stays requested by your physician.
Additional bills will come from Physicians for physician charges for their services while at the hospital. This could include emergency room physicians, hospitalists, on-call physicians, radiologists, anesthesiologists or any other physicians.
Because Humboldt Park Health clinics are not privately owned by the physicians, their charges do not include costs for supplies and facilities’ overhead.
Billing Practices
Humboldt Park Health is pleased to provide this information to help you understand our patient billing practices. We are committed to treating illness and promoting wellness for all people and to set the standards of excellence in the delivery of healthcare throughout the region we serve. To ensure the success of this commitment, we must be financially responsible. We take a positive and proactive approach to patient billing and collections, with the goal of receiving payment for services provided in the most efficient, timely and customer sensitive manner possible. We also understand that billing and collections for healthcare services can be confusing. To better assist you in understanding these billing services and to answer any questions you may have in advance, we are providing you with this information.
When Entering the Hospital
If your hospital visit is planned and you are pre-registered, we will verify insurance coverage and ask your insurance company what deductibles and co-insurance amounts will be due.
As a routine practice, the hospital asks for payment of any deductibles and an estimated co-insurance deposit prior to delivery of services at pre-registration or at the time of registration in the hospital.
If your visit to the hospital was not planned, a Financial Counselor will visit you in your room when you are able to discuss your insurance coverage, including deductibles and co-insurance amounts, and determine appropriate payment arrangements.
If you do not have any insurance coverage, you can discuss payment arrangements and/or the hospital’s financial care policy with the Financial Counselor.
After Leaving the Hospital
The hospital will bill your health insurance plan for you. This usually happens within a week of discharge from the hospital. Your health insurance plan will send you an Explanation of Benefits summarizing their payment.
The hospital will bill your secondary insurance, if you have one, or send you a statement for any amounts still due from you. This statement is usually sent within four days after the health insurance plan payment.
Billing statements show account balances and payments only. You can request an itemization of charges by calling the Patient Account Office listed on the back of the brochure.
If you do not have insurance, an itemized bill will be sent to you approximately one week after discharge from the hospital. Humboldt Park Health offers a 72% discount on all services for which the patient does not have insurance coverage.
When You Receive a Bill
Please contact us to make payment arrangement for the remaining balance. If you feel you might qualify for our Financial Assistance Program , Please contact us at 844-476-1124
Mail your check or money order to: Humboldt Park Health Lock Box 231782 1782 Momentum Place Chicago, Illinois 60689-5317
We accept Visa, MasterCard, American Express and Discover , you will need your reference number to pay online. Web site : www.healthpaynow.com.
If you cannot pay the entire balance at once, you can call the Patient Financial Counselor, or fill out a Financial Assistance Application available on this website.
How You Can Help
Please provide us with complete health insurance plan information upon registration. Make timely payment on your portion of the bill. Let us know if you anticipate or are having problems paying your bill.
Cooperate with Community Services Medicaid staff when gathering information for Medicaid eligibility.
Be prompt and provide us with all requested information if applying for uncompensated care.
Medicare Recipients
Medicare does not cover some outpatient services for certain complaints or illnesses.
If Medicare does not cover the services your physician ordered, you may be asked to sign a Medicare Advance Beneficiary Notice (ABN) to signify that you have been informed of your payment responsibility.
If you are an outpatient, Medicare considers some medications as “self-administered.” These are not paid for by Medicare or by most supplemental insurance carriers. Therefore, Medicare requires that the hospital bill the patient for these medications.
Physician Billing
Physicians are independent contractors and are not employed by the hospital. Humboldt Park Health bills do not include fees for any physician services. Physicians that may bill you separately include:
Personal Physicians
Surgeons
Pathologists
Emergency Department Physicians
Specialists (such as Cardiologists, Pulmonologists, etc.)
Anesthesiologists
Radiologists
Payment Address
Humboldt Park Health
1044 North Francisco Avenue
Chicago, Illinois 60622
Telephone Numbers
Self-pay Billing – Patient Account Services
773-302-8708, Monday – Friday, 8:00 am to 4:30 pm
Financial Counselor
773-292-8369, Monday – Friday, 7:00 am to 3:30 pm
Standard Hospital Charges
Humboldt Park Health is committed to helping patients understand the cost of their care by providing information about its our current standard charges. Attached are the lists of standard charges (also referred to as the Chargemaster), which are only estimates of our charges and do not represent the actual cost amount for which the insurance company a third-party payor and/or patient may be responsible. The charges may vary depending on several factors, including but not limited to, the patient’s medical condition, length of stay, unexpected conditions or complications, recommended treatments ordered by physicians, the coverage by patient’s health insurance (if applicable), etc.
The Chargemaster only includes the hospital charges and does not include charges that may be billed separately by a patient’s physician or other professional fees. In addition, commercial insurance payments are based on the terms of the contracts with the insurance company and may not reflect the standard charges listed on the Chargemaster. Also, Government insurances plans such as Medicare and Medicaid have their own set rates, which may not reflect the hospital’s standard charges.
No Surprises Act
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out of network provider at an in-network hospital or ambulatory surgery center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
If you see a healthcare provider or healthcare facility that isn’t in your health plan’s network of providers and facilities (or “out of network”), they may bill you for the difference between what your plan agreed to pay and the full amount charged for the service (out-of-network describes providers and facilities that haven’t signed a contract with your health plan). This is called “balance billing”. This amount may be more that what you would have paid for the same service if you had seen and in-network provider or healthcare facility, and its may not count toward your annual out-of-pocket limit.
When you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider—you may receive an unexpected balance bill. This is called “surprise billing.”
You are protected from balance billing for:
Emergency services
You can’t be balance billed for emergency services from an out-of-network provider or facility to treat an emergency medical condition. The most the provider or facility may bill you is the cost-sharing amount (such as copayments and coinsurance) that you would have paid at an in-network provider or facility.
This includes services you may get after you’re in a stable condition, unless you give written consent to be balance billed and give up your protections.
Certain services at an in-network hospital or ambulatory surgery center
For many non-emergency services at in network hospitals or ambulatory surgical centers, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections. In the case of emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon,
hospitalist, or intensivist services, these providers can never balance bill you, and may not ask you to consent to give up your protections not to be balanced. The most those providers may bill you is your plan’s in-network cost-sharing amount.
Illinois Law
In addition to protections under federal law, Illinois law may also protect you from balance billing. If you have a health plan overseen by the State of Illinois and you receive anesthesiology, emergency, laboratory, pathology, or radiology services provided by an out-of-network provider at an in-network hospital or ambulatory surgical center, those providers can’t balance bill you under Illinois
law.
You are never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.
When balance billing isn’t allowed, you also have the following protections:
- You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of
network providers and facilities directly. - Your health plan generally must:
- Cover emergency services without requiring you to get approval for services in advance (prior authorization).
- Cover emergency services by out-of-network providers.
- Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
- Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.
If you believe you’ve been wrongly billed, you may contact:
Humboldt Park Health Patient Access Department
312-824-6769 or Federal No Surprises Helpdesk 1-800-985-3059
or
Illinois Department of Insurance
Office of Consumer Health Insurance
320 West Washington Street
Springfield, IL 62767
Toll-free: 877-527-9431
TDD: 866-323-5321
Fax: 217-558-2083
Visit www.cms.gov/nosurprises for more information about your rights under federal law.
Visit http://insurance.illinois.gov for more information about your rights under Illinois law.
Financial Resources for Patients and Families
Medicaid
Illinoi Medicaid Health Plan (IDPA) is the State of Illinois Medicaid Program for low income eligible Illinois residents. There are qualifications and an application process to be a receipent. NAH has staff at the Hospital to assist patients in the Medicaid eligibility and enrollment process.
Please Contact our:
Community Services Representatives
located in the Admission Department of the Hospital
By phone: at (773) 278-8826
or by email: aocampo@nahospital.org
Social Security Disability
Social Security Disability Insurance (SSDI) provides aid to people who are unable to achieve gainful employment due to a permanent disabling condition. Individuals who believe that they qualify for social
security disability can get disability benefits by submitting an initial application for disability benefits:
Please Contact our Community Services Representatives in person located in the Admission Department of the Hospital, or the discharge registrar in the Emergency department.
By phone at (773) 278-8826 or by email : aocampo@nahospital.org
Medicare
Medicare is health insurance for:
– People 65 or older
– People under 65 with certain disabilities
– People of any age with end-stage renal disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)
Medicare Part A (hospital insurance) – Helps cover inpatient care in hospitals, skilled nursing facilities, hospice, and home health care.
Medicare Part B (medical insurance) – Helps cover doctors’ and other health care providers’ services, outpatient care, durable medical equipment, and home health care. Helps cover some preventive services. (Most people pay a monthly Medicare Part B premium.)
Note: If you have limited income and resources, you may qualify for help paying your Medicare Part B and/or prescription drug coverage costs. You can apply for help at your county FSD office. If you have Medicare questions you can call 1-800-MEDICARE (1-800-633-4227).
Financial Assistance Plain Language Summary
Billing and Insurance FAQ
What can I expect to pay?
We ask all patients to make a payment toward care before or at the time you arrive for your test or procedure.
If you have health insurance, you will be responsible for paying the co-payment, deductibles and co-insurance based on your insurance plan. Below are some terms you should know:
- Co-payments are a required payment based on your insurance policy. The co-pay is paid at the time of your medical visit.
- Deductible is the amount you pay out-of-pocket before insurance will cover the remaining costs.
- Co insurance is a shared expense between you and your insurance. You may be required to pay a certain percent of the charges for medical services. For example, insurance pays 80% and you pay 20%. Depending on your insurance plan, you may need to meet your deductible before the co-insurance is applied.
- Out-of-pocket maximum is the yearly total amount your health insurance company requires you to pay towards the cost of your health care on an annual basis.
How do I pay my bill?
Humboldt Park Health offers several options for bill payment. Choose the option that is the easiest for you:
- Mail your payment with the payment coupon to our address for processing.
- Payments for the Hospital services go to: Humboldt Park Health – Lockbox 231782; 1782 Momentum Place, Chicago, Il 60689-5317
- Pay your bill over the phone using your credit card by calling 773-302-8708.
- Pay in person at our walk-in Cashier’s office on the first floor of the Hospital next to Admissions/Registration.
- Pay your bill online using your credit card or echeck on our HPH website
Acceptable payment methods are cash, money order, personal check, American Express, MasterCard, Visa or Discover. Please do not send cash through the mail.
How will my health insurance work?
Humboldt Park Health will bill most health insurance plans as a patient convenience.
We recommend you verify with your plan your benefits and check on any excluded services and out-of pocket-expenses for which you may be responsible.
Our staff will not always have access to this information about your benefit coverage and will not always be able to provide you with those details at your appointment. Some health insurance plans may have exclusions or require you to see specific providers, depending on your type of treatment.
To find out whether Humboldt Park Health accepts your insurance (see our Accepted Insurance plans section), or for information on co-payments and deductibles, please contact your insurance carrier directly.
What if I don’t have health insurance?
Patients without health insurance are expected to pay in full prior to or at the time of service. If you are unable to pay in full, a deposit of $50.00 – $1,000 will be required.
You will be billed for the remaining amount due.
If you need assistance paying for your care, then you will be required to complete an application for financial assistance or future non-emergent appointments may be postponed. Click here for our Financial Assistance Application (link to charity app Englisn/Spanish) Anyone who requires emergent, life threatening care will be treated regardless of ability to pay.
What if I cannot pay my charges in full?
If you are unable to pay your charges in full once billed, you may set up an interest-free payment plan. We ask that all charges be paid in full within 12 months. For Extended payment plans please visit our section on Looking for Affordable Payment Options? We can Help – If you cannot pay your charges in full within 12 months, you may be eligible for additional financial assistance.
Click here for our Financial Assistance Application (link to Charity app)
Can I get an estimate of what my charge will be for a procedure?
A financial counselor/registration rep will try to assist you in determining your out-of-pocket charges. Please be sure to have the procedure codes provided by your physician’s clinic.
While we will make every effort to ensure an accurate estimate, medical care can take different turns or your physician may order more tests. Therefore, the estimate provided will only be an estimate of what you might owe. We cannot guarantee what the actual costs will be.Your final liabilities may differ depending on the treatment you receive, insurance payment, or should you need an extended stay.
