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Frequently Asked Questions

I have questions about my patient bill
  1. What is this bill that I received?
  2. How do I get a copy of an itemized bill?
  3. Will Lee Memorial Health System accept my insurance?
  4. Will all of my insurance be billed?
  5. Does Lee Memorial Health System accept credit cards?
  6. Who do I contact to update and/or re-bill my insurance?
  7. How can I check on the status of my account?
  8. What should I do if my insurance denies a claim?
  9. How will I know if my hospital bill has been paid?
  10. What if I can't pay my bill?
  11. How long do you wait to send unpaid bills to collections?

What is this bill that I received?
After a hospital stay, the first thing you should receive from Patient Billing Services is what we call a "summary statement." This is a letter listing a summary of your hospital charges and their cost. We send this so you know what we have submitted to your insurance. The letter also includes information on our billing process and policies, as well as numbers to call if you have questions. You can see a sample summary statement here.



How do I get a copy of an itemized bill?
You can call the Central Business Office at 239-242-6000, select option 3 and provide your name, date of birth, account number, and date of service. You will receive the itemized bill at the current address listed on your account within 10 days.

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Will Lee Memorial Health System accept my insurance?

Lee Memorial Health System accepts Medicare, Medicaid, Blue Cross, in addition to several other major insurance carriers. Please contact your insurance company or employer for specific contracting guidelines.

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Will all my insurance be billed?

Yes. The billing of insurance is a courtesy to you. If we do not receive payment from your insurance company, or companies, within 45 days, we must look to you for payment of the bill in full. Your insurance policy is a contract between you and your insurance company. Communication with your insurance company is highly recommended. For additional information click here.

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Does Lee Memorial Health System accept credit cards?

Yes. Visa, MasterCard, American Express, and Discover are accepted forms of payment by mail, phone, and via the web site through the on-line payment option.

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Who do I contact to update and/or re-bill my insurance?

You will need to call the Central Business Office at 239-242-6000 or 800-809-9906. If possible have your insurance card available when you call.

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How can I check on the status of my account?

If it has been at least 45 days since the date of discharge, contact your insurance carrier for the status on the claim. After speaking with your insurance carrier, if you still have questions regarding the claim, contact the Central Business Office at 239-242-6000 or 800-809-9906 and a Customer Service Representative will assist you.

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What should I do if my insurance denies a claim?

If you feel the claim denied in error, contact your insurance carrier for a detailed explanation on the claim. The Central Business Office will also receive an explanation of benefits (EOB) from your insurance company stating the claim was denied. We will reflect this information on your account and a statement will be sent to you requesting payment in full.

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How will I know if my hospital bill has been paid?

Your insurance carrier should send you an explanation of benefits (EOB) indicating they have processed the claim. The EOB will also show any payments made to the hospital and the amount that is your responsibility. You will receive a statement from the hospital once all insurances have been processed. This statement will reflect all insurance payments, adjustments, and balance remaining. Any remaining balance is your responsibility.

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What if I can't pay my bill?

To set up payment arrangements on your hospital bill you will need to contact the Central Business Office as quickly as possible at 239-242-6000 or 800-809-9906 and speak with a Business Service Representative for payment guidelines.

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How long do you wait to send unpaid bills to collections?

The soonest we would send an unpaid account to collections is six weeks after a patient receives the first bill. Sending an account to collections is something Lee Memorial Health System sees as a last resort. We understand that patients may not have the means to pay their bills in full, and our experienced professionals are happy to work with you to set up a payment plan that fits your budget.

Within two weeks after leaving one of our hospitals, you will receive a summary statement that lists your total hospital charges before any insurance payments have been applied. If you have insurance, this is not your bill. Your actual bill will be sent about two weeks after you receive the summary of charges, or within four weeks of leaving the hospital. In fact, you will receive three billing statements sent about two weeks apart and, if necessary, a final notice. That means patients receive as many as four billing statements from the health system before we consider sending an account to collections.

If you are unable to pay your account in full, we encourage you to contact us as soon as possible.

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I have questions about online bill pay
  1. How long will it take for my online payment to post to my account?
  2. What information do I need to pay my Lee Memorial, HealthPark Medical Center or Cape Coral hospital bill online?
  3. What information do I need to pay my Southwest Regional Medical Center, Gulf Coast Hospital or Gulf Coast Medical Center bill online?
  4. I found my hospital account but I can't make a payment?
  5. Can I pay my Lee Memorial Physician bill online?
  6. What bills can't I pay online?



How long will it take for my online payment to post to my account?
Online credit card payments can take up to two business days to reflect on your hospital account. Payments posted on a Friday will require additional processing time.

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What information do I need to pay my Lee Memorial, HealthPark Medical Center, or Cape Coral hospital bill online?
To make a payment on your hospital account you will need to have your billing statement available that will provide you with the required patient account number to make an online payment. You will also need to know the patient's date of birth. For your convenience a sample of the billing statement can be found on our web site to help identify where your account number is located on the statement.

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What information do I need to pay my Southwest Regional Medical Center, Gulf Coast Hospital or Gulf Coast Medical Center bill online?
To make a payment on your hospital account you will need to have your billing statement available that will provide you with the required patient account number to make an online payment. In addition you will also need to know the patient's or guarantor's date of birth and last four digits of their Social Security number.

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I found my hospital account but I can't make a payment?
If you have located your hospital account and pressed the continue button but the page timed out or the page could not be found. Please check your firewall settings on your computer to confirm that it is accepting our web site. Once the firewall settings have been adjusted please re-enter your hospital account information and the on-line payment screens will display.

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Can I pay my Lee Memorial Physician bill online?
Yes, we do accept on-line Visa and MasterCard, American Express and Discover payments for Lee Memorial Physician bills. If you would like to pay your bill, please click here or contact the number listed on your statement for assistance.

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What bills can't I pay on-line?
The individual billing for the following areas currently do not offer online bill payments. If you would like to contact them or need assistance with your bill, please click on the link below to access their home page or billing information.

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I have questions about hospital charges

  1. Can I find out exactly what I will owe before I come to the hospital?
  2. Why do small things like pills or bandages cost so much in a hospital?
  3. Why is health care so expensive?


Can I find out exactly what I will owe before I come to the hospital?
If you have health insurance, we can review your insurance plan with you and tell you the amount of your deductible and the most you could be asked to pay based on your annual out-of-pocket limit. If you do not have health insurance, we can develop an estimate for you. In addition, you may request a written estimate prior to your procedure by going here.

The estimate will include the average cost of the procedure; the amount your insurance provider, Medicare or Medicaid is likely to pay; and the estimated amount you will be expected to pay. This estimate will reflect the 25 percent discount Lee Memorial Health System provides to all uninsured patients, as well as a potential additional 25 percent "prompt pay" discount if you are able to pay your bill in full prior to or on the day of your procedure or within a specified amount of time.

However, please keep in mind this is only an estimate and could vary depending on your overall health and whether additional charges are incurred based on your unique medical needs. It is very difficult to give an exact amount for services before a person visits the hospital because the services a patient receives will vary based on his or her specific health care needs. However, Lee Memorial Health System makes every effort to provide clear and transparent pricing information to our patients. The links below will take you to our lists of average charges for common inpatient and outpatient procedures, as well as lab and diagnostic tests:

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Why do small things like pills or bandages cost so much in a hospital?
Lee Memorial Health System does not charge patients for common over-the-counter medications, such as aspirin or Tylenol®. However, as a state-licensed health care provider, we are required to follow certain procedures when distributing medications or other types of supplies. For instance, let's say a patient has had surgery and requires pain medication. The nurse contacts the patient's physician for a prescription. Then, either the physician or nurse must contact the pharmacy. A pharmacy technician will fill the order, and then the pharmacist will approve it. Once the medication has been transported to the patient's unit, it must be distributed to the patient.

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Why is health care so expensive?
At Lee Memorial Health System, we understand the cost of health care can seem overwhelming. It takes an entire team of professionals, state-of-the-art equipment and facilities and hundreds of medications and supplies to provide the high quality care that is the hallmark of our service. In addition, our four hospitals must be fully operational 24 hours a day to meet the needs of our community.

Although we are a public health system, Lee Memorial Health System operates without the benefit of local tax support. Therefore, the payments we receive for patient care must be sufficient to keep our facilities operational, pay the salaries of our employees, maintain equipment and purchase supplies. Health care is a rapidly evolving field, and we must also be able to purchase new equipment and treatment options to provide the best care for our patients, in addition to updating our facilities or building new facilities when necessary.

We strive to keep our costs for care as low as possible, and, in fact, we have some of the most competitive costs in the state. We also offer discounts to our uninsured patients and have a team of devoted professionals who can help patients set up payment plans to fit their budgets. Funding a health care system is a complicated process. If you'd like to know exactly the money is spent within Lee Memorial Health System here, go here.

This procedure may vary somewhat—for example, the medication may be kept in a password-protected cabinet directly on the unit—but the approval process will remain much the same to ensure the safety of our patients. It takes several health care providers, as well as supplies like cups to distribute the medication, to fulfill just one prescription. Our pharmacies fulfill literally hundreds of medication orders each day.

In addition, we must keep hundreds of types of medication on hand in order to meet all the health care needs of our patients. Many of these medications are expensive to purchase, and some are very expensive to store. As a result, the total cost of a patient's medication also includes a fraction of the amount it takes to store and distribute the medication to the patient.

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