When you seek services at Ocean Beach Hospital, we ask that you accept responsibility for payment for those services in a timely manner. We will bill Medicare, Medicaid or your insurance for services provided. You will be required to sign a Consent for Treatment and Responsibility for Payment form regardless of third party insurance coverage. Your account is your personal responsibility. If any portion of your account is not covered by insurance, please contact Patient Financial Services to make other financial arrangements.
Insurance and HMO information
Ocean Beach Hospital participates in many of the managed care plans offered in the area. If you have a question as to whether or not we participate in the plan you have, please check your provider directory or call your insurer.
It is very important for you to know if your insurance or HMO/PPO requires pre-certification for any care provided at the hospital. If pre-certification is required and you or your physician do not take steps to insure this authorization is obtained, you will be responsible. Failure to obtain prior authorization can result in reduced benefits or the possible denial of your entire claim.
If you have insurance or HMO/PPO coverage, the Patient Financial Services Office will bill your insurance if complete billing information was given at the time of registration/admission. You will be notified by letter if your insurance carrier or HMO/PPO does not pay the bill promptly or if there is a balance remaining after the insurance or HMO/PPO payment. If you have questions regarding payment, we suggest you contact your insurance carrier or HMO/PPO to review the status of your claim. If you have any other questions, please call Patient Financial Services.
OBH is a participating provider for Medicare and accepts assignment of covered benefits. After Medicare pays their portion of the charges, the hospital billing office will bill your supplemental insurance based on the information you provided during the registration process. You will receive a statement from the hospital notifying you of your responsibility if there are any balances after Medicare and your supplemental insurance payments.
Patients who are unable to pay for hospital service are welcome to apply for the hospital’s Financial Assistant Care program. Applications are available from Patient Financial Services or via download. Eligibility is based on household income, family size, amount of medical debt and the financial resources of the household.
Federal poverty income guidelines are used as the basis for eligibility. The Financial Assistant Care program involves only hospital charges. Some services provided by the hospital are not included in this program. In addition, physician’s fees from the clinics are not included in the hospital’s Community Care program. If you wish to seek assistance with their bills, you will need to work directly with the physicians or their office staff.
If your insurance company does not pay in full, you will receive a statement notifying you of your balance. In addition to payment by check or money order, we do accept MasterCard, Visa, or Discover. If you are unable to make payment in full, depending upon the balance due, the hospital may offer a short-term payment plan.
Delinquent accounts will be referred to outside collection agencies when payment in full has not been received or appropriate payments plans have not been established.
If you are pre-scheduled for a test or procedure and do not have insurance, you must come in to see our financial counselor. You may be asked to pay all or a portion of the expected charges prior to the procedure, with the balances of the charges due within 90 days after the procedure unless another payment plan has been made with our financial counselor.
As a cost savings measure, we do not routinely send copies of itemized patient bills. The statement you receive is a summary of charges. Should you desire an itemized statement, please contact our Business Office and one will be sent to you within 2 business days. If you are a patient at the hospital multiple times, you may receive separate statements for each visit.
Your hospital bill will not include charges for any physicians who provided services directly to you or on your behalf. Each physician involved in your care will bill you separately for services provided. The amount due to your physicians is in addition to your hospital bill. Questions concerning physician’s fees should be directed to their billing office at Ocean Beach Medical Clinic. Calls are returned in 1-2 business days.