Insurance

The Patient Financial Services Department offers a variety of services to our patients from registration into our network through to collection from your insurance company.

The HealthAlliance of the Hudson Valley’s hospitals participate with most major insurance companies, listed below, and the Patient Financial Services Department will be happy to bill insurance carriers for patients. Our hospitals also accept most major credit cards including MasterCard, Visa, American Express and Discover.

Many insurance companies require prior authorization from your physician. Please verify that your physician has obtained the necessary authorization for services rendered at the hospital. Failure to authorize services could result in penalties from your insurance carrier.

In instances where the patient will have a deductible copay due, the Patient Financial Services Department will ask for payment at the time of service, unless prior arrangements have been made. If patients are covered under an HMO and require prior authorization and/or referral for the services, this information needs to be available at the time the service is being rendered.

Upon discharge from the hospital, we immediately begin the process of putting together the necessary information your insurance company requires to be on the bill. Then, we file a medical claim with your insurance company. When we receive an explanation of benefits from your insurance company, it advises us how they reimbursed the hospital as well as any balances that may be due from you. We will then send you a statement reflecting the balance that is still due such as a copay, deductible and or co-insurance.

Depending on what services you receive from the hospital, you also may receive a separate bill from your private physician, specialist, radiologist or laboratory. Learn more about this in the HealthAlliance Disclosure.