Billing and insurance

We want to help you understand your bills, and your financial responsibilities. It may also help to better understand your insurance coverage. Here are a few suggestions of questions to ask your insurance company before your visit.

Is Children's Memorial "in network" for our insurance?
"In network" means your insurance company has a contract with the hospital and our physicians, and usually you have smaller out-of-pocket expenses. You may choose to see an "out of network" provider, but this typically means you must pay a part or all of the bills.

Do we need referrals?

Many times, yes, especially if your insurance is an HMO. For example, to see a pediatric specialist, you need a properly completed referral for the office visit from your primary care physician. However, if the physician orders additional tests (such as an X-ray, CT scan, MRI, lab tests, physical therapy), your must have referrals for these services, too. Contact your insurance company directly for more information.

Is the doctor and service included in the benefits my policy covers?

Some pediatric specialists and specialty services may not be part of your benefits. Contact your insurance company directly for more information.