Billing, Insurance and Payment
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St. Joseph Hospital is committed to providing high quality, compassionate
healthcare to all patients, regardless of their ability to pay. Medically
necessary care should not be delayed because you don’t have health
insurance or you’re unable to pay your hospital bill. St. Joseph
Hospital understands health insurance benefits are confusing. Most plans
do not provide 100% coverage for a hospital bill. Each plan has its own
set of rules, exclusions and services that are not covered.
It is important for you to get involved in your healthcare and become familiar
with your specific benefit plan so you get the most out of healthcare.
If you are unsure of your coverage for a particular medical procedure
or test, you should call the customer service telephone number on your
insurance card before scheduling a procedure.
Your insurance policy is a contract between you and your insurance company.
As a service to you, St. Joseph Hospital will send a claim to your insurance
company for all services we provide to you. By working together, we can
minimize misunderstandings, payment delays and billing costs. Please be
aware, you are responsible for any charges not covered by your benefit
plan and St. Joseph Hospital provides counseling services to answer your
questions prior to receiving service.
Depending on your plan, you may be required to get approval (pre-certification)
before you receive hospital services. Even in a life-threatening situation,
your benefit plan may require you to contact them within 24 hours of receiving
hospital care. We will assist you in doing that, but if you don’t
obtain approval from your insurance company, you may be responsible for
paying for your hospital care. Also, obtaining approval does not guarantee
that the cost of the service is completely covered by your benefit plan.
If St. Joseph Hospital does not participate in your insurance plan, you
can in most cases still receives services at our facility. Please be aware,
if your insurance does not participate with St. Joseph Hospital, your
insurance company will consider our services as “out of network”
and you will probably be responsible for paying more out of your pocket.
After you are discharged from St. Joseph Hospital, you will receive an
itemized statement reflecting daily charges, including supplies and support
services, such as x-rays and anesthesia. You will also receive separate
statements/bills from the physicians involved in your care and treatment.
This includes your physician, surgeons, pathologist who interprets laboratory
test results, anesthesiologists who administer the anesthesia and radiologists
who read and interpret your radiology exams and forward the results to
your physician or the emergency room physician. Please see the list of
“sub providers” and their contact information provided on
Once your insurance company has paid on your account, you will receive
a bill, showing your patient responsibility based on your health insurance
plan. If you are not able to pay your bill in full, please contact our
Customer Service Department where we can help you by setting up a payment
plan or determine if you may qualify for
For any other requests, please contact our Patient Accounts department
at 1-800-378-4189 for more details.
Understanding the Hospital Billing Process
What are all these other bills?
All fees for physicians' services are billed separately by the physicians
who provided your care. In addition to your primary physician, you may
also receive bills from some of the physician groups listed below as well
as any other physician(s) your doctor consulted with regarding your care:
Allied Anesthesia Medical Group, Inc.
P.O. Box 1628
Orange, CA 92856
EMSOC: Emergency Medical Services of Orange County
805 W. La Veta Ave, Ste. 103
Orange, CA 92868
Moran, Rowen and Dorsey,
c/o Medical Specialties Managers, Inc.
P.O. Box 14005
Orange, CA 92868
Orange County Pathology Medical Group
(part of Newport Harbor Pathology Medical Group)
P.O. Box 6016
Florence, SC 29502-6016
866-932-6216 (toll free)
Do you have insurance coverage?
After you are discharged, you may receive a statement from St. Joseph Hospital.
Please review the information carefully and let us know if any of the
information is not correct. If you have health insurance coverage we will
bill your carrier. After the claim has been processed, you should receive
an explanation of benefits from your health plan. This will show if you
What if you do not have insurance coverage?
After you are discharged, you will receive a statement from St. Joseph
Hospital. You will automatically receive a discount. Please contact your
Financial Counselor at (714)771-8185 to discuss the details.
What happens if I am unable to pay my bill in full?
St. Joseph Hospital accepts payment plans. Also, if you feel that your
health insurance coverage is inadequate or you have no insurance coverage,
you may qualify for financial assistance. To determine whether or not
you are eligible, please contact your Financial Counselor at (714) 771-8185.
What if I have other questions about my bill?
Please contact our customer service at 1-800-378-4189.
Your opinion is important to us!
St. Joseph Hospital is dedicated to providing high quality healthcare.
Your satisfaction with our care is important. That's why some of our
patients receive a patient satisfaction survey from a company called "Avatar."
If you receive a survey, we ask that you provide us with your feedback
so that we may continue to improve our processes.