Our Approach to Billing
At Owensboro Health, our goal is to make the billing process simple to understand and navigate. Our team takes a compassionate approach to billing, working to help you become an informed health care consumer and arrange terms that fit your budget. To make your financial responsibility process easier, we’ll help you with important steps, like:
- Filing your insurance claims
- Arranging flexible payment schedules
- Assisting anyone who can’t afford to pay their medical bills
- Helping you understand the billing process
- Being available to answer your questions and address your concerns.
Understanding Your Bill
Being an informed health care consumer allows you to enjoy a peace of mind while you recover. We’re here to help you understand your bill, the steps that need to be taken and how to handle your insurance claims.
Filing Your Claim
- After your visit to Owensboro Health, we submit a bill (also referred to as a claim) to your insurance company. Your claim lists the hospital services you received during your stay.
- You’ll receive a letter confirming the information on the claim. This letter is NOT a bill.
- Once your insurance pays its portion of the bill, you may receive a report called an Explanation of Benefits (EOB) that shows how the claim was paid.
- Owensboro Health will then send you a bill for the remaining balance.
Why Do I Have Multiple Bills?
Your total bill may actually arrive as several smaller bills, broken down by individual services performed, such as:
- Emergency (if you were seen in the Emergency Room, picked up by an ambulance, etc.)
- Pathology (laboratory tests for biopsies, infections or disease identification and staging)
- Anesthesia (if you were put under anesthesia for surgery or another procedure)
- Radiology (any X-rays, MRIs or other scans performed)
These bills may come from different providers and may be sent separately from your Owensboro Health bill. For example, you may receive a radiology bill from the lab that processed your X-rays, or an ambulance bill from the company that transported you to the hospital. While this may seem confusing, it’s necessary. This allows each provider to ensure payment for the specific services they provided.
Other Charges You May See
- Physician charges – In most cases, Owensboro Health doctors are employed independently and generate their own bills for services they perform.
- Consultation charges – Your physician may consult with a specialist or other physicians to help them treat your condition. One example may be a radiologist who interprets X-ray results or a pathologist who interprets lab results. Their charges are billed separately even though you may not have been seen directly by the consulting physician.
- Hospital charges – You may receive a bill from Owensboro Health that covers many different styles of services. Examples include surgical and testing procedures, pharmacy, medical supplies, nursing services and therapy.
The following payments are accepted:
- Cash (in person only)
- Personal check or traveler’s check
- Money order
- Debit and credit card (VISA, MasterCard, Discover and American Express)
Please refer to your printed statement for more detailed information regarding payments, payment plan options and prompt payment discounts.
Your Owensboro Health bill can be paid online via credit or debit card with no fees. Pay your bill online.
You can pay your Owensboro Health bill in person with cash, check, credit or debit card at these locations:
Main Campus Cashier’s Office - 811 East Parrish Avenue, first floor
Owensboro Health Business Center – 2511 Frederica Street
Phone: (270) 688-7563 or (270) 688-7598
Hours: Monday through Friday, 8 a.m. to 4:30 p.m.
You can pay your bill over the phone using a check (account number and routing number required), credit card or debit card with no fees.
Call either: (270) 685-7563 or (270) 685-7564.
Mail your check payments to:
811 East Parrish Ave
Owensboro, KY 42303