Billing and Insurance

Navigating the world of medical billing and insurance can be a complicated journey. Our Patient Financial Services department is here to assist patients as they attempt to understand their financial responsibilities and help them with the insurance reimbursement process.

Our team employs people who can answer specific questions concerning Blue Cross, long term care billing, Medicaid, Medicare, other insurance, private pay, payment plans, and Worker’s Compensation.

The Patient Financial Services department is open from 8:00 a.m. until 5:00 p.m., Monday through Friday. We are located at 139 Arlington St. – across the street from the hospital.

If you have an inquiry related to a bill, the fastest response can be found via email. Please send your inquiry to

Financial Assistastance

Individuals without insurance are invited to work with one of our financial counselors to determine whether they are eligible for financial assistance or to help develop a reasonable payment plan. To do so, call the department at (906) 635-4518. We can also arrange for an in-person meeting to review your situation and discuss options.

If you are interested in applying for financial assistance you can expedite the process by downloading and completing the application below. It will require that you provide us with your most current tax return or proof of non-filing from the IRS along with any Social Security statements, if applicable. You may also open and review the policy that outlines how financial assistance is determined.

Insurance Billing

During our registration process, demographic information and a copy of your insurance card will be collected. The information you provide will be used to bill the insurance carrier. It is your responsibility to know and understand your insurance plan and the benefits covered for you or your family at any health care facility.

Many health insurances require prior authorizations, referrals, and utilization of facilities and health care providers within a network designated by the health plan. If you have questions about your benefit plan and coverage, most insurance cards have an 800 number on the back of the card that you can call for inquiries. If your insurance is obtained through your employer, someone at your place of employment may also be able to help with any questions you have about your insurance plan.

Insurance Prior Authorization

An increasing number of insurance carriers are now requiring authorization prior to receiving hospital services. It is primarily the physician or policyholder who initiates the prior authorization process. Failure to meet the prior authorization requirement may result in denial of insurance benefits and will be the responsibility of the patient.

Co-Pays and/or Deductibles

Any applicable co-pays or deductible are due at the time of service. Payments can be accepted by the physician office, hospital Registration Department, or Patient Financial Services.

Understanding Your Bill

War Memorial Hospital bills for its employed physicians separately from hospital services, which means most patients will receive at least two bills from us.

One bill is for hospital facility services and the other is for hospital physician services. You may receive additional bills from other non-WMH healthcare providers for services related to your hospital visit.

 For example,

Cedar Straits Medical
for professional Radiology services

War Memorial Emergency Room Physicians
from Cincinnati, Ohio

Help Finding Insurance Coverage

As part of the Affordable Care Act, the Health Insurance Marketplace helps uninsured people find health coverage. We understand this process can be complicated, so please take advantage of free local navigation assistance through the Community Health Access Coalition (CHAC) at 906-635-7483, located at 143 Arlington Street, SSM. They are ready to help you in any way they can. CHAC is also available to provide unbiased information regarding Medicaid, Marketplace, and Medicare programs. Trained staff are available to assist with applying for financial assistance programs and completing all necessary paperwork. Learn more about CHAC by visiting their website.