If a valid insurance card is presented at the time of service, we will accept your insurance and bill the charges to your insurance carrier, regardless of the amount. However, you are responsible to pay any deductible and/or co-payment amounts as specified under the schedule of benefits of your insurance coverage. Payment of these amounts will be requested at the time of service.
You may determine the co-payment or deductible amounts you are responsible for by contacting the claims service phone number of your insurance company or the personnel (human resources) director at your place of employment.
Self-Pay or Uninsured Patients
If you are not covered under a healthcare plan, you will receive the same care as insured patients. The quality of care our patients receive is not determined by their ability to pay. You will be asked to pay the full amount of your charges or cash deposit at the time of discharge. If you cannot make a cash deposit, we will ask you to speak with a financial counselor to discuss a plan for paying your bill.
We consider that a 45-day period after billing is more than a reasonable time for your insurance carrier to pay your bill. If we do not receive payment from your insurance within 45 days, you will be billed for the services rendered and contacted by a representative of our office to intervene and request payment from your insurance company. If payment is not received within an acceptable timeframe, you will be held responsible for the balance in full. Please note your contract is with your insurance company and you and not with the hospital.
In the event your insurance carrier submits payment after you have paid, the overpayment will be applied to any balance(s) outstanding, with the excess refunded to you.
National Park Medical Center is a provider for the following insurance companies. This list is subject to change at any time and without notice. This list does not automatically update with the addition or deletion of insurance companies, so NPMC recommends that each patient becomes familiar with his or her individual insurance policies and providers.
- Aetna/US Healthcare
- Affiliated Healthcare
- Arkansas Community Care
- Arkansas Managed Care Organization
- Continental Life Insurance Company of Brentwood, Tennessee
- Corp Health
- Employers Choice Health Alliance
- First Health Group Corp.
- Foundation Health
- Garland Managed Care Organization
- Health Payers Organization
- International Paper
- Med-Care Advantage
- Municipal Health Benefit Fund
- NovaSys Health Network
- Plan Care America
- Preferred Health Arrangement
- Southeast Medical Alliance
- The Pyramid Life Company
- Tyson Foods
- United Behavioral Systems
- United Healthcare
- USA Health Network
Patient Account/Billing Information
All patients should familiarize themselves with the terms of their insurance coverage. This will help you understand the hospital’s billing procedures and charges. If there is a question about your insurance coverage, a member of the Patient Accounting Department will contact you or a member of your family while you are here. Information is needed in order to process your claims. For questions, call the NPMC Business Office at (501) 620-1492.
If You Have Health Insurance
We will need a copy of your identification card. We also may need the insurance forms, which are supplied by your employer or the insurance company. You will be asked to assign benefits from the insurance company directly to the hospital.
If You Are a Member of an HMO or PPO
Your plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. It is your responsibility to make sure the requirements of your plan have been met. If your plan’s requirements are not followed, you may be financially responsible for all or part of the services rendered in the hospital. Some physician specialists may not participate in your healthcare plan and their services may not be covered.
If You Are Covered by Medicare
We will need a copy of your Medicare card to verify eligibility and process your Medicare claim. You should be aware that the Medicare program specifically excludes payment for certain items and services, such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations and others. Deductibles and co-payments also are the responsibility of the patient.
If You Are Covered by Medicaid
We will need a copy of your Medicaid card. Medicaid also has payment limitations on a number of services and items. Medicaid does not pay for the cost of a private room unless medically necessary.
If You Have No Insurance
A representative from the Accounting Department will discuss financial arrangements with you. A hospital representative who is a representative of the Division of Family Services is also available to assist you in applying for Medicaid or other government assistance programs.
Your Hospital Bill
The hospital will submit bills to your insurance company and will do everything possible to expedite your claim. But you should remember that your policy is a contract between you and your insurance company and you have the final responsibility for payment of your hospital bill. We have several payment options available to assist you in paying your bill.
Your bill reflects hospital services you receive during your stay. If you have certain tests or treatments in the hospital, you may receive bills from physicians you did not see in person. These bills are for professional services rendered by these doctors in diagnosing and interpreting test results while you were a patient. Pathologists, radiologists, cardiologists, anesthesiologists and other specialists perform these services and are required to submit separate bills. If you have questions about these bills, please call the number printed on the statement you receive from them.