Money & Finance

Everyone at Bayshore Community Hospital and Meridian Health understands and appreciates how overwhelming it can be to deal with health issues and billing issues at the same time, particularly confusing medical bills and insurance details.

We strive to make this process as easy as possible for our patients by inviting you to call our Patient Accounts Department directly at 732-530-2250 if you have questions or if we can assist you, either while you are still here as a patient or after you've returned home. Your complete bill will be mailed to you. However, private room costs and insurance deductibles are due at the time of admission, and can be paid at the Admitting Department. If you do not have coverage with an insurance provider, we will contact you to determine your eligibility for financial assistance and to make payment arrangements.

For more information, read our Frequently Asked Questions

To request specific information regarding your account, please contact us through our Account Information Request form.

 

Separate Billing

Under federal law, certain services cannot be included in your hospital bill. Therefore, you will receive separate physician bills for each service rendered by the following:

  • Anesthesiology
  • Cardiology
  • EEG
  • EKG Emergency Physicians
  • House Staff Psychiatry
  • Nuclear Medicine
  • Pathology
  • Pulmonary Function Department
  • Radiology (films and interpretations)
  • Surgical Assistants
  • Speech Therapy


These physician fees are for professional services rendered and/or interpretation of studies performed, and any questions regarding them should be addressed directly to those physician offices.

In addition, if a house staff physician treats you for a situation that arises when your own physician is not available, you will be billed directly by that physician. The charges will not appear on your hospital bill. You should submit any such bills to your insurance provider or make arrangements for payment directly with your physician.

 

To Our Surgical Patients

In major surgical cases, it is mandatory to have a second qualified surgeon or surgeons available to assist the attending surgeon. Its purpose is to ensure the quality and safety of complex procedures. Traditionally, the cost of an assisting surgeon or surgeons was included in your hospital bill. Today, however, the Federal Tax Equity and Responsibility Act (TEFRA) does not allow such an inclusion, so you will receive a separate bill from the assisting surgeon or surgeons and are expected to pay for the services rendered by them.

Insurance companies are familiar with this practice and should include the assisting surgeon or surgeons for payment, if it is an included benefit. These bills should be forwarded to your insurance provider.

 

Insurance Limitations

Under Medicare, Medicaid, and other third-party regulations, only certain levels of care may be covered at Bayshore Hospital. Insurance benefits may be discontinued if your physician or Health Care Quality Strategies, Inc. (HQSI), decides that further care is not medically necessary. You may be held personally responsible for any non-covered services.

Out of Network

Hackensack Meridian Health Bayshore Medical Center is committed to providing information our patients need to protect them from receiving a surprise medical bill.

We have worked throughout Bayshore Medical Center to try to make sure we are meeting the requirements of New Jersey’s new law.

While we have taken steps to fully comply with our requirements on behalf of patients, it is very important that healthcare consumers also consult their own health insurance plan. Only your health insurance plan can provide detailed information about your coverage and potential obligations for certain out-of-pocket costs. The contact information is on your insurance card.

In accordance with the new law, we have listed below the insurance plans whose networks we participate in. You can contact the physician directly to ask about their network status with your particular health insurance plan.

  • Aetna (All products except Medicaid)
  • Aetna Better Health (Medical plan)
  • AmeriHealth (All products)
  • Amerigroup (Medicaid and Medicare products)
  • CHN
  • CIGNA
  • Clover Health
  • Devon Health Services
  • Empire Health Plan
  • First Managed Care Option
  • Horizon BCBSNJ (All products)
  • Horizon NJ Health
  • PHCS/Multiplan
  • Qualcare
  • TRICARE/Humana Military
  • United HC
  • United Payers and United Providers
  • Wellcare (Medicaid and Medicare products)

EXCHANGE PLANS

  • AmeriHealth (AmeriHealth Advantage Plan)
  • OMNIA (Horizon)
  • Oscar

*Please note: this list is subject to change. This list should not replace the confirmation of a patient’s eligibility and coverage with a specific health plan.

While we have tried to make our network status clear to all healthcare consumers, it is important to note that the state’s new out-of-network law does not apply to health insurance plans issued outside of New Jersey. Even if you live in New Jersey, if your employer is located in another state, it is possible that your plan is not covered by the law. Also, the new law is optional for self-funded plans. Self-funded plans are when the employer assumes the responsibility to cover all of the expenses of the plan. Self-funded plans are only required to follow federal requirements, not state laws. A self-funded plan may opt in and elect to be subject to New Jersey’s out-of-network law, but it is not required to do so. It is important that you ask your employer or health insurance carrier whether the new law applies to your plan.

All stakeholders – insurance plans, healthcare providers, state policymakers and regulators – must try to make this complex law understandable to healthcare consumers, particularly those who may not realize that their plan is not covered by these new protections.

If you have any additional questions please do not hesitate to contact Bayshore Medical Center Patient Accounting Customer Service at 732-530-2250.