Financial Arrangements

Thank you for choosing Myrtue Medical Center for your health care needs. We are committed to fulfilling our mission of providing the highest quality care. 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 rendered in the most efficient, timely and customer oriented manner possible. We also understand that billing and collections for health care services can be confusing. We are here to assist you in meeting your financial obligations for payment of your medical services.

Admissions/Registration:

Even though we know many of our customers, we will verify your personal information each time you visit. We will ask to make a copy of your current insurance cards each time, so that we may be assured we have complete information for billing Medicare, Medicaid or your health insurance. We will also ask you to sign a Consent for Treatment, Release of Information and an Assignment of Benefits.

At the time of registration we ask that you pay for any co-pays or deductibles designated by your insurance plan. If your insurance plan requires notification or pre-authorization prior to obtaining services, please bring in any documentation verifying this has been done.

We are contracted with the following insurance companies or networks:

  • Medicare (Medicare Brochure PDF)
  • Iowa Medicaid
  • Medicare Advantage
    • Coventry Advantra
    • Humana
  • Commercial Insurance Companies:
    • Coventry of Nebraska
    • United Healthcare
    • Midlands Choice network
    • Wellmark (Blue Cross Blue Shield of Iowa)
    • Affordable Insurance
    • InterPlan Health Care

To contact our staff members regarding a particular insurance company, you may call the following numbers:

  • Blue Cross: 712-755-4451 or 712-755-4325
  • Medicare: 712-755-4325 or 712-755-4354
  • Commercial: 712-755-4431 or 712-755-4437
  • Medicaid: 712-755-4442
  • Motor Vehicle or Workman’s Compensation: 712-755-4443
  • Self-Pay: 712-755-4324
  • Financial Assistance: 712-755-4324 or 712-755-4301

Payment Options: All bills are payable within 30 days of the statement date. If you are not able to pay this in full within this time frame, please contact the business office at 712-755-4324.

Pricing Transparency:

To make informed decisions about your healthcare, you need information that is useful and easy to access.  Myrtue Medical Center is committed to providing that information you need.  This information is published on a publicly available database that provides average charges for Myrtue Medical Center services, as well as other data including the average length of stay for specific procedures.  You can also compare Myrtue Medical Center charges to those of other Iowa hospitals.  You can access this information at the Iowa Hospital Association’s website.

Additional Resources:

Many insurance providers can offer individualized estimates of your out-of-pocket costs given your health plan design.  Your insurance provider may also have information to compare healthcare providers on quality measures.  The Myrtue Medical Center Business Office is also available to provide estimates based on the planned services and your insurance plan information.  Contact Rebecca Gough at 712.755.4528 for assistance.

Uninsured or under insured patients should consult with the Myrtue Medical Center Business Office at 712.755.4324 or 712.755.4528 to determine whether you qualify for discounts.

Billing FAQ’s

Glossary of Terms:

Deductible: The amount that must be paid out-of-pocket before the insurance company will pay for medical services.

Co-insurance: After deductibles and co-pays are met by the patient, the insurance pays a percentage of the covered charges, such as 80%. The 20% that is the patient’s responsibility is the coinsurance.

Co-payment: The amount payable by the patient towards each visit to the doctor or emergency room. Some plans may require co-pay for each outpatient hospital visit as well.

Contractual Adjustment: Sometimes seen as a network discount or Provider’s responsibility. This amount is based on our contract with the insurance company.

EOB: Explanation of Benefits. This is a notice sent to the insured from the insurance company explaining how a claim was processed.

Out-of-Pocket: The amount paid by the patient for medical services. This generally (but not always) refers to deductible and coinsurance. Co-pay is not considered to be part of the Out of Pocket.

Out-of-Pocket Maximum: When the patient’s deductible plus the amount paid for coinsurance meets the plan’s out-of-pocket threshold. In general, further covered services are payable at 100% for the remainder of the benefit period. Some plans may have provisions whereby particular services are never payable at 100%.

Financial Assistance Programs:

Patients with limited or no insurance coverage, who are residents of Shelby County Iowa, may qualify for our Uncompensated Care Program. A Personal Financial Statement (click here for form) must be submitted along with a copy of your most recent income tax return. The hospital uses poverty income guidelines issued by the Department of Health and Human Services to determine a person’s eligibility for Uncompensated Care.

Our complete policy for Uncompensated Care and Collections can be found by through this link.

Uninsured Americans with Pre-existing Conditions Continue to Gain Coverage through Affordable Care Act

New resources available to increase awareness of new program for the uninsured

The U.S. Department of Health and Human Services (HHS) today made new resources available to the media, consumer groups, states, health care providers, and others to increase awareness of the Pre-existing Condition Insurance Plan (PCIP), a health plan for uninsured Americans with pre-existing conditions created by the Affordable Care Act.

Americans continue to enroll in the plan, which was created in 2010 to provide comprehensive health coverage – at the same price that otherwise healthy people pay – for uninsured Americans living with such conditions as cancer, diabetes, or heart disease who have been unable to obtain affordable health insurance coverage.

This temporary program covers a broad range of health benefits and is designed as a bridge for people with pre-existing conditions who cannot obtain health insurance coverage in today’s private insurance market. In 2014, all Americans – regardless of their health status – will have access to affordable coverage either through their employer or through a new competitive marketplace, and insurers will be prohibited from denying coverage to anyone based on their health status.

The Department is actively working with states, consumer groups, chronic disease organizations, health care providers, social workers, other federal agencies, and the insurance industry to promote the plan, including holding meetings with state officials, consumer groups, and others. New resources that are available to communities to help inform eligible Americans of the plan include a new web badge that links to PCIP.gov, as well as a new newsletter and website drop-in language that partners can use in their outreach efforts.

HHS’ Center for Consumer Information and Insurance Oversight is also working with the U.S. Social Security Administration (SSA) on a comprehensive outreach campaign, putting information about the plan in the approximately 3.2 million social security disability insurance application receipts distributed each year. SSA is also promoting the Pre-existing Condition Insurance Plan in its advocate newsletter, its website, and on TVs in the waiting rooms of SSA’s more than 600 field offices.

Resources available to consumer groups, media, states and others include:

  • PCIP.gov – This website offers information about eligibility, benefits and more. Consumers can find online and print applications for the plan in their state. FAQs are also available to help both organizations and consumers better understand the program.
  • Web Badge – A new website button was released today that groups can post on their website to link to PCIP.gov. To add the button to your website, visit www.HealthCare.gov/stay_connected.html and embed the code listed.
  • Posters and Brochures – Organizations can download or print English and Spanish language brochures and posters about PCIP to share with consumers. Find the brochures and posters here, www.HealthCare.gov/center/brochures.

Emergency Services:

Emergency services will never be delayed or withheld on the basis of a patient’s ability to pay.