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?
Norwegian American Hospital 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:
Norwegian American Hospital
Lockbox 231782; 1782 Momentum Place, Chicago, Il 60689-5317
• Pay your bill over the phone using your credit card by calling 773-292-6753
• 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 NAH 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?
Norwegian American Hospital 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 Norwegian American Hospital 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.