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Billing Information


Pay My Bill

Price Estimate

HSHS MyChart offers a tool for patients and guests to estimate what the cost of their care might be prior to their visit.  Please CLICK HERE to recieve a price estimate. 

Hospital Charges
St. Joseph’s Hospital is committed to providing our patients with useful information that will assist them in making informed health care decisions. Click here obtain pricing for our services.

Prices listed are full charge and reflect what is billed to insurance companies, Medicare and Medicaid. Uninsured patients receive a 35% discount off billed charges and can apply for financial assistance through the Illinois Single Billing Office.  Learn more about our Financial Assistance program.

For questions on specific charges, discounts offered, and financial assistance available, please contact the St. Joseph’s Hospital Customer Service Department by calling (618) 651-2553. 

Affordable Care Act (ACA) Price TransparencyClick HERE to learn more about the potential cost of your care.

Account Assistance/Customer Service
If you have questions regarding your visit or need assistance with your hospital account, contact Customer Service at:

  • Patient Last Names starting with A-J: (618) 651-2551
  • Patient Last Names starting with K-Z: (618) 651-2552
  • Patient Balances, financial assistance: (618) 651-2553
  • Credit Card Payments by phone: (618) 651-2554

Financial Assistance 
St. Joseph’s offers a Financial Assistance Program for those with limited financial resources. St. Joseph’s is a Christian-based facility that provides medical care regardless of race, creed, color, sex, national origin, sexual orientation, handicap, age, or the ability to pay. We respect the medical needs of all people who come to our doors and the financial concerns of those with limited resources.

St. Joseph’s understands that patients with limited financial resources have the obligation and willingness to pay, but not always the ability to pay.

If you have any questions or concerns about your billing statement or you require financial assistance, please contact our Illinois Single Billing Office.

Patient Account Representatives - Illinois Single Business Office


Billing Policies

HSHS St. Joseph's Hospital will submit the necessary claims to your insurance company. You may be asked by our Registration team to pay the patient liability prior to services, however you will not receive a paper bill from the hospital until your insurance company has processed your claim and provided us with a remittance advice. You should receive an Explanation of Benefits (EOB) directly from your insurance carrier indicating any balance which you will be responsible for. St. Joseph’s Hospital can provide an estimated cost of service prior to your appointment. Final billed amounts will be determined based on individual insurance plans and all information given will be estimates only.

Billing Office 
The Billing Office is open Monday-Friday 8:00 a.m. - 4:00 p.m. Our Customer Service team is available to assist you with your bill and obtain answers to questions you may have. You may contact the Billing Office by calling the following numbers:

  • Patient Last Names starting with A-J: (618) 651-2551
  • Patient Last Names starting with K-Z: (618) 651-2552
  • Patient Balances, financial assistance: (618) 651-2553
  • Credit Card Payments by phone: (618) 651-2554 

Physician Services & Professional Fees
St. Joseph's Hospital contracts with several physician groups to provide professional services to patients. In addition to receiving a bill for services provided at St. Joseph's, you will be billed a professional fee separately if you receive services provided by Anesthesiology, Pathology and/or Radiology.

If you have billing questions concerning any of the services with which we contract, please call the billing service at the number located on their bill. Some phone numbers are listed below for your convenience.

  • St. Joseph's Anesthesia Services: 1-800-737-0601, ext.4750
  • SEMC (Pathology): (618) 654-8985
  • Mid-America (Radiology): (877) 465-0012
  • St. Joseph's Medical Group: 1-888-442-8447
  • Family Care Medical Service: 1-800-627-2324 
  • Vituity (ER physicians): 1-800-498-7157

Emergency Room Fees
If you are seen in our Emergency Department, St. Joseph's Hospital will bill for the emergency room charge and the emergency physician's fee. 

Federal Health Insurance Subsidies
If you receive federal health insurance subsidies, please read this important information

Accepted Health Plans

Insurance Plans and Provide Networks Accepted

Blue Cross Blue Shield of Illinois PPO
Blue Cross Choice Preferred PPO Network (BCE)

Cigna HealthCare - All plans
Corvel Worker's Compensation
Coventry Health Care of Missouri
 -Coventry National Network
 -First Health Network
Coventry Carelink

Health Alliance Medical Plan
HFN, Inc.

Hope Trust

Humana Network

Provider Network of America (PNOA)

Triwest VA PCCC
United HealthCare Midwest (UHC)
WellFirst Health

Medicare - Traditional
Accepted Medicare Replacement Plans

Aetna/Coventry Health Care
Clear Spring Health of Illinois
Essence Healthcare
Humana Medicare Advantage Plans

United HealthCare Midwest (UHC)


Medicaid - Traditional
Accepted Medicaid Replacement Plans

Meridian Health Plan

GetCoveredIllinois.Gov (Exchange Plans)
Blue Cross Choice Preferred PPO Network (BCE)
Health Alliance Medical Plans

Last Updated


Billing Questions and Answers

Who submits my claim to the insurance company?
HSHS St. Joseph's Hospital submits claims directly to insurance carriers for services rendered. If we are unable to obtain sufficient information regarding a patient's insurance coverage at the time of registration, it is the patient's responsibility to contact Customer Service within 5 business days. This will ensure that the claim is processed and appropriate benefits are paid by the insurance company within the timely requirements.

When can I expect to receive a bill?

  • If you have health insurance: We will send you a bill after we have billed your insurer and received a response from them. Your payment is due to us within 30 days of the statement date. If you cannot pay your bill in full, contact Customer Service to discuss a payment arrangement. As the patient, it is ultimately your responsibility to ensure your bill is paid. If you receive a statement from us and you feel your insurance should have paid, it may be helpful to contact your insurance company and ask why payment has not been made.
  • If you do not have health insurance: We will send you a bill shortly after your visit. Your payment is due within 30 days of the statement date, unless you have made other arrangements with us.

I cannot pay my entire balance in full; what should I do?
Contact Customer Service. Refer to the Contact Us section of the bill for hours and phone numbers. We can explain our available payment plans. We have financial assistance programs available to assist patients who have no insurance, do not qualify for government programs, or cannot afford to pay for their healthcare. If you are unable to pay your bill, please check our Financial Assistance page and download a financial assistance application.

I've never been to the hospital; why did I receive a bill?
You may receive a bill from the hospital when your physician uses our laboratory services, even if you did not visit St. Joseph's Hospital for testing.

Why did I receive more than one bill?
Hospital services are billed separately from professional physician charges. You may, therefore, receive separate bills from the physicians who serve you, such as your family physician, anesthesiologist, radiologist, etc. If you have questions regarding a bill from a provider other than the hospital, we ask that you contact that provider directly.

I believe a charge on my bill is in error. How can I have this charge removed?
Determine who sent you the bill and then contact that office to discuss the charge.

Can you change the diagnosis code for my services in order for my insurance to pay the claim?
The Billing Office cannot change the diagnosis code. We can verify the diagnosis provided on the order. Requests to the change the written order should be discussed with the ordering physician.

My services were pre-authorized; why didn't my insurance pay (or pay more) on my claim?
Authorization of services is not a guarantee of payment. Authorizations do not take into account deductibles, co-pays, or amounts in excess of benefit limits. If you feel your insurance underpaid your claim, contact your insurance company for assistance.

How can I pay my bill?
St. Joseph's offers multiple payment methods. We accept cash, check, money order and most major credit cards. If you choose to pay in cash, please pay in person. Cash is accepted in the Customer Service Office. We encourage everyone to include the payment stub with payment to ensure proper credit to your account.

  • Mail/In Person - Mail or bring your check or credit card information, Monday - Friday 8:00am-4:00 pm: St. Joseph's Hospital, Attn: Customer Service, 12866 Troxler Ave., Highland, IL 62249
  • Phone - Call (618) 651-2554. The cashier will process your payment over the phone. We accept VISA, MasterCard and Discover. Please have your bill available which contains your account number.

Can you tell me if my services will be covered and how much I will owe for these services?
We are unable to determine what services will be paid by your plan. Each plan is different and covered services, deductible and co-pays also vary according to each individual plan. We recommend you contact your insurance company to obtain information on covered services, deductibles and co-payments.

Can you tell me if you have a contract with my insurance so I can have services provided at your facility? A list of insurance companies we have contracted with is available on the website, in our waiting rooms and at each Registration desk. However, some individual plans have specific clauses, which base reimbursement on preferred providers or facilities. The insurance may be responsible for a larger deductible or co-pay depending on where the service is provided. The insured should consult with their insurance prior to receiving services.

When will the Medicare secondary payor questionnaire (MSP) be completed?
An admitting representative will complete the Medicare secondary payor questionnaire (MSP) when you arrive for your surgery, test or procedure. Federal law requires that providers of medical services to Medicare beneficiaries determine whether or not there is other insurance coverage for the beneficiary that should be billed before a claim is submitted to Medicare.

Providers, such as hospitals, must be able to document that they have screened for other insurance coverage by asking the beneficiary questions which will identify if other insurance is available. The Medicare questionnaire contains all of the necessary questions that need to be asked of the beneficiary to determine if there is other insurance that is primary to Medicare. Accurately completing the Medicare secondary payor questionnaire ensures expedient payments to providers, as well as compliance with Medicare rules and regulations.

Do I need to bring my insurance card?
Yes. The hospital needs a copy of your insurance card in order to verify coverage and to determine if pre-certification is required for an inpatient admission or other services.

What is pre-certification and how does it happen?
The basic definition of pre-certification is obtaining approval from the insurer for patient services prior to treatment. Pre-certification is a critical element for payment of services. For surgical cases, the physician's office is responsible for obtaining pre-certification. The doctor has access to the patients' medical history and indication for the procedure. It is advisable for you to do a follow-up with your doctor to ensure that this process has occurred. Failure to have a surgery, test or procedure pre-certified could result in reduced or denied benefits by the insurance carrier.