Understanding charges: Keep in mind that Erlanger’s charges shown on this website are different from "cost," "reimbursement," "price," or "payment." Several factors could affect what you may owe for services at Erlanger, including whether you have insurance, the type of insurance you have, and your benefit plan. The amount collected by Erlanger almost always is less than the charges billed. Three common examples are:
- Government programs, such as Medicare, pay hospitals much less than billed charges. These payments are determined by the government agencies and hospitals have no ability to negotiate reimbursement rates. A Medicare patient’s payment is determined by Medicare, not Erlanger charges.
- Commercial insurers or other purchasers of healthcare services negotiate discounts with hospitals on behalf of the patients they cover. A patient’s out-of-pocket payment is based on the negotiated discounts and their individual benefit plan.
- Erlanger has prompt payment discount policies and policies that allow self-pay patients to receive reduced-charge or charity care based on State law.
Remember, if you have questions about what your out-of-pocket costs for services might be at Erlanger, please call 423-778-4638.
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