We’re Here to Help You Understand Your Healthcare Bill
At Phillips County Hospital & Family Health Clinic, we understand that healthcare billing and insurance can sometimes be confusing. Our Patient Financial Services team is here to help you understand your bill, answer questions about insurance payments, and provide information about available financial resources. We want patients to feel comfortable asking questions about their healthcare expenses.
Understanding Your Medical Bill
After receiving healthcare services, you may receive a statement showing charges, insurance payments, adjustments, and any remaining patient responsibility. Depending on the services received, your statement may include charges for:
Emergency department visits
Hospital inpatient or observation services
Family Health Clinic visits
Laboratory testing
Diagnostic imaging
Physical therapy and rehabilitation
Other hospital or clinic services
Your statement may also reflect amounts applied toward your insurance deductible, copayment, or coinsurance. If you do not understand a charge or believe there may be an error, please contact our Patient Financial Services team.
Insurance Billing
Phillips County Hospital & Family Health Clinic works with patients and insurance companies to process claims for healthcare services. When you register for services, please provide your current insurance information so we can submit claims accurately. After your insurance company processes a claim, you may receive an Explanation of Benefits (EOB).
What Is an Explanation of Benefits?
An Explanation of Benefits is a statement from your insurance company explaining how a healthcare claim was processed. It may show:
The amount billed by the healthcare provider
The amount allowed by your insurance plan
The amount paid by your insurance
Any deductible, copayment, or coinsurance
Any remaining patient responsibility
An Explanation of Benefits is not a bill.
If you have questions about why your insurance company processed a claim a certain way, we encourage you to contact your insurance provider.
Your Financial Responsibility
Patients may be responsible for amounts not covered by their insurance, including deductibles, copayments, coinsurance, and noncovered services. Insurance coverage varies by plan. We encourage patients to review their benefits and contact their insurance company before scheduled services when possible.
Making a Payment
We offer the following options for paying your medical bill:
- Check
- Cash
- Credit/Debit Card
When making a payment or contacting our office, please have your billing statement or account information available.
Discounts
At Phillips County Hospital & Family Health clinic, we understand that healthcare expenses can add up. To help make healthcare more affordable, we offer discounts to eligible patients who pay their account balance in full.
Paid-in-Full Discount Rates
Account Balance Discount
- $0 – $500 10%
- $501 – $5,000 15%
- > $5,001 20%
Additional 5% Prompt-Pay Discount
Patients who pay their eligible account balance in full within 30 days of their first billing statement may receive an additional 5% discount on top of the paid-in-full discount listed above. By paying within 30 days, eligible patients may receive a total of 15%, 20%, or 25%, depending on their account balance. To learn more about available discounts or to confirm your discounted balance, please contact our Patient Financial Services department.
Discounts are subject to eligibility requirements and applicable insurance and billing regulations.
Having Difficulty Paying Your Bill?
We understand that medical expenses are not always expected or easy to manage. If you are concerned about paying your medical bill, please contact our Patient Financial Services team to discuss available options. Financial assistance may be available to qualifying patients.
Learn More About Our Financial Assistance Program from the Financial Assistance Program Page.
Questions About Your Bill?
We encourage you to contact us if:
You do not understand a charge on your statement.
You believe your insurance was billed incorrectly.
You have questions about a payment or adjustment.
You need an itemized statement.
You would like information about financial assistance.
You want to discuss available payment options.
You need to update your insurance or billing information.
Our staff will work with you to review your concerns and explain the next steps.
Contact Patient Financial Services
Phillips County Hospital & Family Health Clinic
Phone: (406) 654-1100
Office Hours: Monday- Friday 8:00 am- 5:00 pm
Mailing Address: PO Box 640, Malta, MT 59538
In Person: 311 S. 8th Ave E, Malta, MT 59538