Patient & Visitors

Billing & Insurance

Business Office

 

At Palmer Lutheran Health Center, we understand how overwhelming it can be to deal with health concerns and billing issues when you are not feeling well. And, we recognize the financial burden unexpected medical expenses can be. It is our goal to make the process as easy as possible for everyone.

It is Palmer Lutheran Health Center's goal to treat all patients equitable, with dignity, respect and compassion; to service the emergency health care needs of everyone without discrimination, regardless of a patient's ability to pay for care; assist patients who cannot pay for part or all of the care they receive; and to balance needed financial assistance for some patients with broader fiscal responsibilities in order to keep the hospital's door open for all who may need care in our community.

Health Insurance Marketplace - click here for more information.

Financial Assistance

For qualified patients, Palmer Lutheran Health Center offers a financial assistance program for full or partial reduction of the hospital bill. The criteria for financial assistance is based on household income, available assets and family size. An application and income verification are required. Contact our Business Office or Social Services for more information.

Authorization to Release Information Form
Your registration materials include a form that authorizes Palmer to release information to your insurance company. Accurate and complete authorization forms help assure your claims will be promptly paid. Please complete a new Authorization to Release Information any time your coverage changes.

 If You Have Insurance

Palmer Lutheran Health Center works with many insurance carriers. However some insurance carriers require you to use specific providers and/or obtain pre-authorization prior to certain services. Please contact your insurance carrier to see what their specific requirements are for the service you are seeking.

We will bill your primary and secondary insurance carriers for your hospital claim. Once your insurance carrier processes its portion of the bill, the balance of the account will be your responsibility. You will receive a billing notice showing the amount your insurance carrier paid and the balance due from you. You will receive monthly statements for any amounts still unpaid for that service or any other hospital services.

In addition, the hospital bill may not be the only bill you receive. Services provided by other professionals (i.e. the radiologist, surgeons, specialty clinics, lab or pathology) may be billed separately by their office. Physician and lab charges may be billed through the hospital or clinic depending on the service provided. Each of these bills will indicate an address that your payment should be mailed to and a phone number to call with billing questions/concerns. The hospital has billing specialists to assist you with questions about your Palmer Lutheran Health Center bill.

Pre-certification

It is recommended you call your insurance company before having a hospital or outpatient procedure. Many insurance companies require pre-certification before you receive treatment in order for them to pay your bill. Since all insurance company's requirements vary, it is your responsibility to know your coverage and follow their procedures

 Payment Options

At Palmer Lutheran Health Center, we accept cash, wire transfer, money order, personal, traveler's or cashier's check, debit card, credit card (Visa, MasterCard, Discover, & American Express) and automatic bank transfer. Payments can be made at the Business Office in the main lobby, or by phone (credit cards), Monday through Friday, 8:00 AM to 4:30 PM. Or, payments can be mailed to: Palmer Lutheran Health Center, 112 Jefferson Street, West Union, IA 52175.

What to Bring

If possible, bring the following with you when you come to Palmer Lutheran Health Center in West Union:

  • A list of your current medications and dosages. You may bring the bottles or containers with you.
  • Medical information, and radiology images and reports supplied by your local doctor, if requested by Palmer Lutheran.
  • Any forms you were asked to bring with you.
  • The name, address and telephone number of the doctor who referred you, if applicable.
  • Your insurance information and Medicare card, if you have one.
  • A copy of your living will/advance directive for your doctor to review. It will then be placed in your medical record.