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  • Med Center To Request Payment Before Care Save Email Print
    New policy for non-emergency, scheduled procedures only
    Posted: 3:26 PM Mar 25, 2008
    Last Updated: 12:05 PM Mar 26, 2008
    Email Address: sixonline@wowt.com

    A | A | A

    The Nebraska Medical Center is joining a national trend in requesting payment for some non-emergency services up front, including scheduled surgeries or procedures.

    If you're hospitalized, the last thing on your mind may be money. That's why the Nebraska Medical Center will soon try to work out patients' bills before a planned stay.

    "The hospital's financial advisors will contact the patient ahead of time so they know what's going to be expected of them financially,” says the Med Center’s Paul Baltes. “The financial consultants will talk with the patient's insurance company to find out what their out-of-pocket cost is going to be."

    The new policy takes effect April 1st. "It's kind of tacky I guess for my liking to receive payment before any service is rendered," says Tim Gray of Omaha.

    "I think that will put some people in a hard spot because they might not have the up front cash for that," says Sandy Mann of Omaha.

    "I'm so used to having the co-pay that you pay afterwards, I don't know that I'd like it, but I guess they need to get paid, too," says Don Oswald of Omaha.

    That's why hospital reps say they're doing this, giving patients with scheduled procedures advanced warning of their financial responsibility. "So it's not a surprise after they're discharged from the hospital or after they’re finished with their surgery," says Baltes.

    This doesn't apply to emergency room visits where treatment always comes first with payment later, only scheduled visits. "If people find that they're not financially able to take care of that bill ahead of time then our financial department here will help them come up with a plan where they can pay that over a span of time, something that they can handle," says Baltes.

    None of the other area hospitals contacted by Channel 6 News notify patients ahead of a stay to discuss payment plans like the Nebraska Medical Center, but there is a national trend showing more and more hospitals are seeking co-payments or deductibles in advance.

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    Posted by: Lori Location: omaha on Mar 28, 2008 at 03:09 PM
    I would appreciate knowing upfront what my out-of-pocket expense would be, not that I would be in a position to pay it all upfront. When I had knee surgery 8 years ago (at an Alegent facility, not UNMC), I did not receive a final bill until 16 months LATER. That is the result of the insurance company and the hospital battling it out for that long. A $21,000 bill for surgery plus an additional $700 for the surgeon and $800 for the anesthesiologist eventually equalled $387.00 out of my pocket, which I paid in 3 monthly installments. I sure didn't mind the delay when it resulted in next to no out-of-pocket for me. Because of this, I'd know that any upfront estimate by UNMC or its affiliates would probably be on the high side.

    Posted by: SC Location: Omaha on Mar 27, 2008 at 09:26 PM
    I called the Med Center to figure out what the deal is since all my care is through them. It is not a bad deal, people. They are simply offering the choice-- not demanding-- that people can pay their copays and pre-deductible charges. Don't most of us (not employed by the police or fire department) do this already at our doctor's offices? Sounds to me like a business just trying to protect itself from a huge population that won't pay their bills.

    Posted by: Say What? Location: Nebraska on Mar 26, 2008 at 10:44 PM
    catherine: How dull can you be? Not all scheduled surgeries can be so easily avoided, unless that is you wish to die. But that would be suicide, and that's against the law.... Do you think that every scheduled surgery is for a tummy tuck, or a nose job? In your like mind people never have scheduled heart surgery to repair damaged tissue, or surgery to remove or repair other imperative portions of their body, do they? What do you tell a child meant to have surgery to replace a dying organ? ""Don't have the elective procedure if you can't afford it. It's as simple as that.What's the big deal....?"" Some people are so dense. And if you don't know the meaning of the word, please there is this thing called a dictionary.

    Posted by: RM Location: Omaha on Mar 26, 2008 at 02:05 PM
    In response to Marcus Dubai is an oil rich country they can afford it. They don't spend a lot on National Defense or wage unneeded war on other countries. If we would quit importing oil and export it cut back on defence spending we could have more socialistic programs. After over 60 years we still have troops in Europe and Japan ,Korea 55 years. Eliminate a lot of waste that this government creates needless money spent on things and programs that people don't need pork barrel projects in congress.

    Posted by: Barb Location: Omaha on Mar 26, 2008 at 01:24 PM
    Most of the financial advisors at UNMC are very professional caring people! I have been a Med Center patient since 1974 and have received both emergency and scheduled care from them. The most important financial issue ever brought to my attention was the importance of my good faith effort to make regular monthly payments on the balance owed. As long as a person is willing to make an effort to pay for services rendered the Med Center is and always has been willing to work with their patients!

    Posted by: Anonymous on Mar 26, 2008 at 11:52 AM
    What happens if you do not pay it in time for your surgery? Do they reschedule it? Can you choose certain things ? Like saying no to an expensive pain killer or extra days in the hospital?

    Posted by: DB on Mar 26, 2008 at 10:31 AM
    Next we need to stop people using e.m.s. as health care.

    Posted by: Nate Location: Omaha, NE on Mar 26, 2008 at 09:49 AM
    Gee, how much in taxes do the avoid on their profits by being a non-profit hospital? Maybe it's about time to start putting that back into medical care, instead of acting like another greedy corporation.

    Posted by: Martin Location: Omaha on Mar 26, 2008 at 09:12 AM
    To Marcus: just which oil well should we tap for our free health care?

    Posted by: The Truth Location: Everywhere on Mar 26, 2008 at 09:05 AM
    It sounds as though they will work out a payment schedule if you do no thave the money up front so it is not really as big of a deal as people are making it out. It sounds as if it is more like advanced notice.

    Posted by: Catherine on Mar 26, 2008 at 08:47 AM
    Don't have the elective procedure if you can't afford it. It's as simple as that.What's the big deal.

    Posted by: JJ Location: OMAHA on Mar 26, 2008 at 08:18 AM
    DOES THIS MEAN THAT WE GET A GARANTEE FROM THE MED/CENTER THAT THEIR SERVICES WILL SUFFICE? AND IF SO WILL THEY STOP CHARGING US (5) FIVE $ FOR (I) ONE TYLENOL? WELL?I GO TO ALLEGENT ANYWAY SO WILL A LOT OF OTHER PEOPLE ONCE THEY START THIS STUPIDITY.

    Posted by: Jim Location: Papillion on Mar 26, 2008 at 08:06 AM
    When you take your car to the shop for repairs, do you get an estimate for the repair work? When you're having home repair/remodeling done, do you get an estimate before hand? Stop complaining about the Med Center's new policy. If you don't like it, GO SOMEWHERE ELSE!!!

    Posted by: Pam Location: Omaha on Mar 26, 2008 at 07:47 AM
    I can see where people wouldn't like this idea, but, hospitals can't continue to foot the bill for those who don't want to pay. I've been to the Med Center ER and the person next to me was there for a wart!! I'm willing to bet that person didn't pay much of the bill as well as take a doctor's time away from someone who was seriously ill. For those of us who do have insurance, they did say that they would work with everyone on a payment plan. I can't say I'd mind making monthly payments for procedures done - some places want the balance all at once! By the way, it also applies to employees as well.

    Posted by: Dennis P Location: Omaha on Mar 26, 2008 at 07:34 AM
    I had kidney stone surgery and the bill was $22,500 my insurance only paid $4,000 how many people have that kind of money to pay up front? There is no way you are going to know how much a procedure going to cost.

    Posted by: RM Location: Omaha on Mar 26, 2008 at 02:47 AM
    I wonder if they are going to tell us up front how mush each asprin or bandage is going to cost and how many they are going to use?

    Posted by: Janet Location: omaha on Mar 26, 2008 at 01:46 AM
    I have work for a major insurance co here in omaha, and I have also worked for several hospitals too. The only thing the insurance co will be able to tell them is if your deductible has been met and what your coinsurance is. The only bad thing about it is they will charge you for the write offs if they are contacted as all of the major hospital are contract with the major ins companies and then they will have to refund you any thing that they have to write off, good luck on getting that back for several months. Also every hosp has financial programs if your cant pay I have seen several hosp that will write almost the whole bill off. I can tell you that their billing system will be a mess.

    Posted by: Steve Location: Glenwood on Mar 26, 2008 at 01:13 AM
    This will put a lot of people in jeopardy. With the economy the way it is most people do not have the cash on hand to pay for a medical procedure up front. The hospitals I have dealt with in the Omaha area do not work with you when it comes to bills. Their idea of working with you is telling you that if you do not pay the bill in three months they will send it to collections. The funny thing is these hospitals will write off millions of dollars worth of procedures for people who do not have insurance or are in the country illegally, but if you have insurance and you try to pay what you can they do not accept this. Bottom line hospitals are not as willing to work with you as they would like you to belive.

    Posted by: Ed Location: Omaha on Mar 25, 2008 at 11:44 PM
    Why do people think they shouldn't arrange for payment before the work is done? The Med Center is an expensive place to run to provide all the help and new techniques available. The hospital provides enough care for indigent and illegals to affect the bottom line. They are providing a path to make the financial requirements more possible. They have not said they would not treat people. More power to them - we are fortunate to have such a fine teaching and caring hospital in our area.

    Posted by: pete Location: Omaha on Mar 25, 2008 at 09:27 PM
    I wonder if a quack screwed up..does he or she get their money back????

    Posted by: Marcus Location: Papillion on Mar 25, 2008 at 09:10 PM
    I say we have our healthcare associates learn a thing or two from foreign countries. Dubai for example has 100% free healthcare and no that doesnt come with non-sterile hardware, they have world renowned doctors and surgeons there as well. Just makes you wonder.

    Posted by: J Location: Bennington on Mar 25, 2008 at 08:37 PM
    Unfortunately, I haven't found a provider yet that can accurately predict what my insurance will pay. So, I would either over or underpay, under this policy. Every try getting an overpayment back from a medical provider? Also, if there's an error in your bill (what? an error in your medical bill? perish the thought!) see if you can get any resolution through your insurance carrier if you're the one stuck paying the bill. No incentive for them to help you - no incentive for the provider to work with you. I have had to deal with serious illnesses for two relatives where we've tried to straighten out billing/payments - both before and after procedures. Absolute nightmares. I wouldn't call cancer treatments an elective procedure - this policy would apply here. UNMC is hard to deal with now.

    Posted by: Anonymous Location: Omaha on Mar 25, 2008 at 08:20 PM
    Many people go to the University doctors because they take people without insurance and also take poor people...Ok I guess that changes. Yes they will take them once they strip the people of their money. that is so very sick. OH I forgot...its a business, they dont care about people, just the money. ITS A SCHOOL, SO THE CHANCE OF ANYONE GETTING A REAL DOCTOR IS not great. I know, ive gone there and they expect money up front...what ever

    Posted by: Jessica Location: Omaha on Mar 25, 2008 at 08:00 PM
    I'm afraid this a growing trend many hospitals are requiring just to put themselves back in the black. Yes, the hospital is expanding, but you will notice that a lot of the expansion seems to be due to donations that are purposed for specific purposes, such as new student buildings or stem-cell research. The fact of the matter is that in an imperfect system, a hospital could go under without providing these things and then no one in the area would have access to care.

    Posted by: Jane Location: Bellevue on Mar 25, 2008 at 07:33 PM
    Terry - Why do you think they are broke? They are a service industry. MANY service industry companies require payment ahead of time. Maybe you should think before you write comments such as this! And, Why should the Med Center get stuck for bills that people can pay for services they used?

    Posted by: Danielle Location: Omaha on Mar 25, 2008 at 07:24 PM
    Terry-would you go to McDonald's or any other place and NOT expect to pay upfront??? They should have been doing this all along for non-emergency issues. People need to take responsibility for debts they run up.

    Posted by: Over Barrel Location: Nebraska on Mar 25, 2008 at 07:12 PM
    It's all those emergency services that they are required to provide to deadbeat illegal aliens that have them over a barrel.

    Posted by: Ross Location: Omaha on Mar 25, 2008 at 07:07 PM
    Terry, I dont think the med center is broke. I think this is a good thing because people schedule elective procedures that they cannot afford all the time. If its elective, it is not an emergency, and you should have the means to pay for non emergent medical care before it is done.

    Posted by: TINA Location: MURRAY on Mar 25, 2008 at 06:23 PM
    Speaking from experience if the Med. Centers Patient financial services can't bill the services correctly in the first place, how do they expect Access Services to do so?? If the Medical Center is truly (in their words)a not for profit hospital, why does profit always motivate them. Seriously this is ridiculous, when you have a health issue stress over money is not what you need. If employee insurance is so lacking that the hospital has to get every dime out of their employee/patient before services I'd say the bottom line is all about profit & the insurance should be reevaluated.

    Posted by: D Location: Bellevue on Mar 25, 2008 at 06:03 PM
    On the plus side...at least patients would get to see what the obscenely large charges will be BEFORE they get stuck with the portion of the bill their insurance company manages to weasel out of...unlike the "pleasant" surprise we get now from doctors, hospitals and insurance companies.

    Posted by: kelly Location: omaha on Mar 25, 2008 at 05:43 PM
    I don't pay for my meal at a resturant until I am done eating it. I don't pay for my auto repairs until services are completed. I don't want to pay for a surgery until it is completed as well. How do I know I am not going to be one of those unlucky souls who shows up for knee surgery and goes home with an tonsillectomy? As my husband says - show me an itemized bill before hand and I will bring things like Asprin from home so you can deduct that right off that bat. AUGH.

    Posted by: LSB on Mar 25, 2008 at 05:43 PM
    The problem I have with advance payment for any service is you have no way to dispute poor service. Not that you can with a medical bill or much any bill anymore anyway. But I believe if you receive poor service you should not have to pay, at least not full price. One major problem we have with the whole FICA score thing, anyone can report you for bad credit even if it was partial or no payment due to poor service.

    Posted by: E Location: Omaha on Mar 25, 2008 at 05:22 PM
    What happens when we pay the bill upfront, something goes wrong and we require additional medical attention? We then rack up another bill and consequently have to pay two different bills instead of one. This sounds like re-inventing the wheel to me...only changing it to a triangle!

    Posted by: Lisa Location: Omaha on Mar 25, 2008 at 04:55 PM
    What other business can demand payment in full BEFORE services are rendered? None that I can think of. This just isn't right.

    Posted by: KIM on Mar 25, 2008 at 04:45 PM
    UNFORTUATELY PEOPLE WILL MOST LIKELY NOT HAVE THE PROCEDURE DONE IF THEY HAVE TO PAY AHEAD OF TIME. MANY INSURANCE COMPANIES RECOMMEND THAT YOU WAIT TO SEE WHAT IS PAID BY THEM, BEFORE PAYING THE FACILITY. THERE ARE TIMES THAT FACILITIES WILL CHARGE THE CONTACTED DIFFERENCE(WRITEOFFS) TO THE PATIENT, INSTEAD OF WRITING OFF THE DIFFERENCE OF WANT THEY CHARGED AND WANT THE INSURANCE COMPANY WILL PAY. (I'VE SEEN THIS MANY TIMES, BETWEEN MEDICARE AND FACILITIES.) ALSO, FACILITIES CANNOT ACCESS SOMEONES INSURANCE INFORMATION W/O PERMISSION FROM THE PATIENT, SO WHAT THE PATIENT HAS TO PAY FOR A EXTRA VISIT, SO THAT THE HOSPITAL GETS PAID. I QUESS PEOPLE WILL JUST THINK TWICE ABOUT GOING TO NE MED CENTER. (TO BAD!!)

    Posted by: Unbelievable Location: Omaha on Mar 25, 2008 at 04:38 PM
    Well I know where I won't be going for procedures. People will put off having medical procedures because they can't afford it up front. This is so unethical.

    Posted by: Biff Location: Elkmaha on Mar 25, 2008 at 04:28 PM
    This might not be a bad thing. Had I a better idea of the cost of a recent surgery I had, I would've thought twice before having it (esp. since the results weren't as good as predicted). Additionally, this would give one more time to prepare for the 'sticker 'shock'!!

    Posted by: Cathy Location: Omaha on Mar 25, 2008 at 04:15 PM
    I never liked University anyway - but I think this may hurt them. People may change their doctors to ones that practice other than here. It's because of hospitals and doctors that insurance is outrageous anyway. If some doctors would care more about the patient instead of the almighty buck, it would be better. They try to get rich off of insurance companies - thus costing us more. What about welfare mamas -I suppose they won't pay anyway - so I'll be charged more and asap to cover their cost!

    Posted by: Jayme Location: Iowa on Mar 25, 2008 at 04:07 PM
    The information I received stated they would be requesting payment not requiring. Also, from my experience, other hospitals do ask for payments up front they just do not contact you before the service to let you know the amount and possible financial assistance opportunities.

    Posted by: Lisa Location: Omaha on Mar 25, 2008 at 04:05 PM
    This may create a financial hardship for some people, but the hospital needs to protect itself as well. There are so many people who don't pay their hospital bills because they do not think it is an important bill. This could be one of the reasons that healthcare is getting so expensive for the people that do pay.

    Posted by: Terry Location: Omaha on Mar 25, 2008 at 03:51 PM
    So the Med Center wants money up front huh. Maybe if they are broke they should stop adding on.

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