Financial Assistance Policy
Diley Ridge Medical Center is a community of persons serving together in the spirit of the Gospel as a compassionate and transforming healing presence within our communities. Aligned with our Core Values, in particular that of Commitment To Those Who Are Poor, we provide care for persons who are in need and give special consideration to those who are most vulnerable, including those who are unable to pay and those whose limited means make it extremely difficult to meet the health care expenses incurred. Diley Ridge Medical Center is committed to:
- Providing access to quality health care services with compassion, dignity and respect for those we serve, particularly the poor and the underserved in our communities;
- Caring for all persons, regardless of their ability to pay for services; and
- Assisting patients who cannot pay for part or all of the care that they receive.
- This Procedure balances financial assistance with broader fiscal responsibilities and supports the Trinity Health requirements for financial assistance for physician, acute care and post-acute care health care services.
Download our Patient Financial Assistance Policy.
Application Period - Begins the day that care is provided and ends the later of 240 days after the first post-discharge billing statement is provided to the patient or either --
- the end of the 30 day period that patients who qualified for less than the most generous assistance available based upon presumptive support status or prior FAP eligibility are provided to apply for more generous assistance.
- the deadline provided in a written notice after which ECAs may be initiated.
Amounts Generally Billed ("AGB") - The amounts generally billed for emergency or other medically necessary care to patients who have insurance covering such care, Diley Ridge Medical Center's acute and physician AGB will be calculated utilizing the look back methodology of calculating the sum of paid Medicare claims divided by the total or “gross” charges for those claims by the System Office or Diley Ridge Medical Center annually using twelve months of paid claims with a 30 day lag from report date to the most recent discharge date.
Discounted Care - A partial discount off the amount owed for patients that qualify under the FAP.
Emergent (service level) - Medical services needed for a condition that may be life threatening or the result of a serious injury and requiring immediate medical attention. This medical condition is generally governed by Emergency Medical Treatment and Active Labor Act (EMTALA).
Executive Leadership Team ("ELT") - The group that is composed of the highest level of management at Trinity Health.
Extraordinary Collections Actions ("ECA") - Include the following actions taken by Diley Ridge Medical Center (or a collection agent on their behalf):
Deferring or denying, or requiring a payment before providing, medically necessary care because of a patient’s nonpayment of one or more bills for previously provided care covered under the hospital facility’s FAP. If Diley Ridge Medical Center requires payment before providing care to an individual with one or more outstanding bills, such a payment requirement will be presumed to be because of the individual’s nonpayment of the outstanding bill(s) unless Diley Ridge Medical Center can demonstrate that it required the payment from the individual based on factors other than, and without regard to, his or her nonpayment of past bills.
- Reporting outstanding debts to Credit Bureaus.
- Pursuing legal action to collect a judgment (i.e. garnishment of wages, debtor's exam).
- Placing liens on property of individuals.
Family - As defined by the U.S. Census Bureau, a group of two or more people who reside together and who are related by birth, marriage, or adoption. If a patient claims someone as a dependent on their income tax return, according to the Internal Revenue Service rules, they may be considered a dependent for the purpose of determining eligibility under the Diley Ridge Medical Center’s financial assistance policy.
Family Income - A person’s family income includes the income of all adult family members in the household. For patients under 18 years of age, family income includes that of the parents and/or step-parents, or caretaker relatives. Annual income from the prior 12 month period or the prior tax year as shown by recent pay stubs or income tax returns and other information. Proof of earnings may be determined by annualizing the year-to-date family income, taking into consideration the current earnings rate.
Financial Assistance Policy (FAP) - A written policy and procedure that meets the requirements described in §1.501(r)-4(b).
Financial Assistance Policy ("FAP") Application - The information and accompanying documentation that a patient submits to apply for financial assistance under Diley Ridge Medical Center's FAP. Diley Ridge Medical Center may obtain information from an individual in writing or orally (or a combination of both).
Financial Support - Support (charity, discounts, etc.) provided to patients for whom it would be a hardship to pay for the full cost of medically necessary services provided by Diley Ridge Medical Center who meet the eligibility criteria for such assistance.
Free Care - A full discount off the amount owed for patients that qualify under the FAP.
HCAP - A state and federal program maintained by the Ohio Department of Job and Family Services to comply with a federal requirement to implement additional payments through the disproportionate share (DSH) program to hospitals that provide a disproportionate share of uncompensated services to indigent and uninsured Ohioans who are at or below 100% of the current Federal Poverty Guideline Level and who are ineligible for Medicaid.
Income - Income includes wages, salaries, salary and self-employment income, unemployment compensation, worker’s compensation, payments from Social Security, public assistance, veteran's benefits, child support, alimony, educational assistance, survivor's benefits, pensions, retirement income, regular insurance and annuity payments, income from estates and trusts, rents received, interest/dividends, and income from other miscellaneous sources.
Medical Necessity - Is defined as documented in the State of Ohio's Medicaid Provider Manual.
Policy - A statement of high-level direction on matters of strategic importance to Trinity Health or a statement that further interprets Trinity Health’s governing documents. System Policies may be either stand alone or Mirror Policies designated by the approving body.
Plain Language Summary of the FAP - A written statement that notifies a patient that the hospital facility offers financial assistance under a FAP and provides the following additional information in language that is clear, concise, and easy to understand:
- A brief description of the eligibility requirements and assistance offered under the FAP.
- A brief summary of how to apply for assistance under the FAP.
- The direct Web site address (or URL) and physical locations where the patient can obtain copies of the FAP and FAP application form.
- Instructions on how the patient can obtain a free copy of the FAP and FAP application form by mail
- The contact information, including telephone number and physical location, of the hospital facility office or department that can provide information about the FAP and provide assistance with the FAP application process
- A statement of the availability of translations of the FAP, FAP application form, and plain language summary of the FAP in other languages, if applicable.
- A statement that a FAP-eligible patient may not be charged more than AGB for emergency or other medically necessary care
Procedure - A document designed to implement a Policy or a description of specific required actions or processes.
QHP - An insurance plan that is certified by the Health Insurance Marketplace, provides essential health benefits, follows established limits on cost-sharing (like deductibles, copayments, and out-of-pocket maximum amounts), and meets other requirements under the Affordable Care Act, starting in 2014. A qualified health plan will have a certification by each Marketplace in which it is sold.
Regional Health Ministry ("RHM") - A first tier (direct) subsidiary, affiliate or operating division of Trinity Health that maintains a governing body that has day-to-day management oversight of a designated portion of Trinity Health System operations. RHMs may be based on a geographic market or dedication to a service line or business.
Service Area - The list of zip codes comprising Diley Ridge Medical Center’s market area constituting a “community of need” for primary health care services. (See attachment “A”)
Standards or Guidelines - Additional instructions and guidance which assist in implementing Procedures, including those developed by accreditation or professional organizations.
Subsidiary - A legal entity in which Diley Ridge Medical Center is the sole corporate member or sole shareholder.
Uninsured Patient - An individual who is uninsured, having no third-party coverage by a commercial third-party insurer, an ERISA plan, a Federal Health Care Program (including without limitation Medicare, Medicaid, SCHIP, and CHAMPUS), Worker’s Compensation, or other third party assistance to cover all or part of the cost of care, including claims against third parties covered by insurance to which Diley Ridge Medical Center is subrogated, but only if payment is actually made by such insurance company.
Urgent (service level) - Medical services for a condition not life threatening, but requiring timely medical services.
Diley Ridge Medical Center’s Financial Assistance Policy (FAP) is designed to address the need for financial assistance and support to patients for all eligible services regardless of race, creed, sex, or age. Eligibility for financial assistance and support is determined on an individual basis using specific criteria and evaluated on an assessment of the patient’s and/or family’s health care needs, financial resources and obligations.
- All medically necessary services, including medical and support services provided by the Diley Ridge Medical Center are eligible for financial support.
- Emergency medical care services will be provided to all patients who present to the emergency department, regardless of the patient’s ability to pay. Such medical care will continue until the patient’s condition has been stabilized prior to any determination of payment arrangements.
- Cosmetic services and other elective procedures and services that are not medically necessary.
- Services not provided and billed by Diley Ridge Medical Center (e.g. independent physician services, private duty nursing, ambulance transport, etc.).
- Diley Ridge Medical Center will make affirmative efforts to help patients apply for public and private programs. Diley Ridge Medical Center may deny financial support to those individuals who do not cooperate in applying for programs that may pay for their health care services.
- Services that are covered by an insurance program at another provider location but are not covered at Diley Ridge Medical Center after efforts are made to educate the patients on insurance program coverage limitations and provided that federal Emergency Medical Treatment and Active Labor Act (EMTALA) obligations are satisfied.
- Diley Ridge Medical Center will provide financial support to patients who reside within the service areas (see Attachment “A”) and qualify under the FAP guidelines.
- Eligibility for Financial Assistance will be determined by using the zip code of the patient’s primary residence.
- Financial Assistance will be provided to patients from outside the defined service areas who qualify under the FAP and who present with an urgent, emergent or life-threatening condition.
- Diley Ridge Medical Center will provide financial support to patients identified as needing service by physician foreign mission programs conducted by active medical staff for which prior approval has been obtained from the Diley Ridge Medical Center's President or designee.
- Information provided by the patient and/or family for Diley Ridge Medical Center Financial Assistance should include earned income, including monthly gross wages, salary and self-employment income; unearned income including alimony, retirement benefits, dividends, interest and income from any other source; number of dependents in household; and other information requested on the FAP application to determine the patient’s financial resources.
- Supporting documents such as payroll stubs, tax returns, and credit history may be requested to support information reported and will be maintained with the completed application and assessment. Diley Ridge Medical Center may not deny Financial Support based on the omission of information or documentation that is not specifically required by the FAP or FAP application form.
- Diley Ridge Medical Center will provide patients that submit an incomplete FAP application a written notice that describes the additional information and/or documentation that must be submitted within 30 days from the date of the written notice to complete the FAP application. The notice will provide contact information for questions regarding the missing information. Diley Ridge Medical Center may initiate ECAs if the patient does not submit the missing information and/or documentation within the 30 day resubmission period and it is at least 120 days from the date Diley Ridge Medical Center provided the first post-discharge billing statement for the care. Diley Ridge Medical Center must process the FAP application if the patient provides the missing information/or documentation during the 240-day application period (or, if later, within the 30-day resubmission period).
- Information provided by the patient and/or family for HCAP assistance will follow the State of Ohio HCAP requirements.
- Protection of certain types of assets and protection of certain levels of assets include the following:
- Equity in primary residence: up to 50% of the equity up to $50,000
- Business use vehicles
- Tools or equipment used for business; reasonable equipment required to remain in business
- Personal use property (clothing, household items, furniture)
- IRAs, 401K, cash value retirement plans withdrawn
- Financial awards received from non-medical catastrophic emergencies
- Irrevocable trusts for burial purposes, prepaid funeral plans, and/or
- Federal/State administered college savings plans
All other assets will be considered available for payment of medical expenses. Available assets above a certain threshold can either be used to pay for medical expenses (or alternatively count excess available assets as current year income in establishing the level of discount to be offered to the patient). A minimum amount of available assets should be protected. The minimum amount is currently set at $5,000.
- Diley Ridge Medical Center recognizes that not all patients are able to provide complete financial information. Therefore, approval for financial support may be determined based on limited available information. When such approval is granted it is classified as “Presumptive Support”.
- The predictive model is one of the reasonable efforts that will be utilized to identify patients who may qualify for financial assistance prior to initiating collection actions, i.e. write-off to bad debt and referral to collection agency, for the patient account. This predictive model enables Diley Ridge Medical Center to systematically identify financially needy patients.
- Examples of presumptive cases include:
- deceased patients with no known estate
- unemployed patients
- non-covered medically necessary services provided to patients qualifying for public assistance programs
- patient bankruptcies, and
- members of religious organizations who have taken a vow of poverty and have no resources individually or through the religious order.
- For patients who are non-responsive to the application process, other sources of information, if available, should be used to make an individual assessment of financial need.
- For the purpose of helping financially needy patients, Diley Ridge Medical Center may use a third-party to conduct a review of patient information to assess financial need. This review utilizes a health care industry-recognized, predictive model that is based on public record databases. This process enables Diley Ridge Medical Center to assess whether the patient is characteristic of other patients who have historically qualified for financial assistance under the traditional application process. In cases where there is an absence of information provided directly by the patient, and after efforts to confirm coverage availability are exhausted, the predictive model provides a systematic method to grant presumptive eligibility to financially needy patients.
- In the event a patient does not qualify under the predictive model, the patient may still provide supporting information within established timelines and be considered under the traditional financial assistance application process.
- Patient accounts granted presumptive support status will be adjusted using Presumptive Financial Support transaction codes at such time the account is deemed uncollectable and prior to referral to collection or write-off to bad debt. The discount granted will be classified as financial support; the patient's account will not be sent to collection and will not be included in bad debt expense.
- Diley Ridge Medical Center will notify patients determined to be eligible for less than the most generous assistance available under the FAP that he or she may apply for more generous assistance available under the FAP within 30 days of the notice. The determination of a patient being eligible for less than the most generous assistance is based on presumptive support status or a prior FAP eligibility determination. Additionally, Diley Ridge Medical Center may initiate or resume ECAs if the patient does not apply for more generous assistance within 30 days of notification if it is at least 120 days from the date Diley Ridge Medical Center provided the first post-discharge billing statement for the care. Diley Ridge Medical Center will process any new FAP application that the patient submits by the end of the 240 day application period or, if later, by the end of the 30-day period given to apply for more generous assistance.
- i. Every effort should be made to determine a patient’s eligibility for financial support prior to or at the time of admission or service. FAP Applications must be accepted any time during the application period. The application period begins the day that care is provided and ends the later of 240 days after the first post-discharge billing statement to the patient or either:
- the end of the period of time that a patient that is eligible for less than the most generous assistance available, based upon presumptive support status or a prior FAP eligibility determination, and who has applied for more generous financial assistance; or
- the deadline provided in a written notice after which ECAs may be initiated.
- Diley Ridge Medical Center may accept and process an individual’s FAP application submitted outside of the application period on a case-by-case basis as authorized by Diley Ridge Medical Center's established approval levels.
- Diley Ridge Medical Center (or other authorized party) will refund any amount the patient has paid for care that exceeds the amount he or she is determined to be personally responsible for paying as a FAP-eligible patient, unless such excess amount is less than $5 (or such other amount set by notice or other guidance published in the Internal Revenue Bulletin). The refunds of payments is only required for the episodes of care to which the FAP application applies.
- Determination for financial support will be made after all efforts to qualify the patient for governmental financial assistance or other programs have been exhausted.
- Diley Ridge Medical Center will make every effort to make a financial support determination in a timely fashion. If other avenues of financial support are being pursued, Diley Ridge Medical Center will communicate with the patient regarding the process and expected timeline for determination and shall not attempt collection efforts while such determination is being made.
- Once qualification for financial support has been determined, subsequent reviews for continued eligibility for subsequent services will continue for a reasonable time period. Diley Ridge Medical Center Financial Assistance Applications are valid for a period not to exceed six (6) months and apply to both I/P and O/P services. HCAP I/P applications are valid for 45 days from discharge and HCAP O/P applications are valid for 90 days from admission date. Separate applications must be completed for I/P and O/P services.
- A percentage of the Federal Poverty Guidelines (FAP), (Attachment B) which is updated on an annual basis, is used for determining a patient’s eligibility for financial support. However, other factors, as identified above, may also be considered such as the patient’s financial status and/or ability to pay as determined through the assessment process.
- Family Income at or below 200% of Federal Poverty Income Guidelines:
- A full discount off total charges will be provided for uninsured patients whose family's income is at or below 200% of the most recent Federal Poverty Income Guidelines.
- Family Income between 201% and 400% of Federal Poverty Income Guidelines:
- A discount off of total charges of 85%, which is equal to Diley Ridge Medical Center's average acute care contractual adjustment for Medicare will be provided for uninsured acute care patients whose Family Income is between 201% and 400% of the Federal Poverty Level Guidelines. The largest discount rate at an individual facility will be used across the system.
Facility Name Total Medicare Charges (A) Total Medicare Contractual (B) Medicare Discount Rate (B/A) Mount Carmel East $294,718,702 $225,619,218 76.6% Mount Carmel Grove City $126,704,702 $95,800,902 75.6% Mount Carmel St. Ann's $173,875,096 $133,445,809 76.7% Mount Carmel New Albany $88,560,291 $66,736,598 75.4% Diley Ridge Medical Center $6,022,372 $4,562,462 75.8%
- A discount off of total charges of 51%, which is equal to Diley Ridge Medical Center's physician contractual adjustment for Medicare will be provided for uninsured ambulatory location patients whose Family Income is between 201% and 400% of Federal Poverty Level Guidelines.
- Diley Ridge Medical Center's acute and physician contractual adjustment amounts for Medicare will be calculated utilizing the look back methodology of calculating the sum of paid claims divided by the total or “gross” charges for those claims by the System Office or Diley Ridge Medical Center annually using twelve months of paid claims with a 30 day lag from report date to the most recent discharge date.
- A discount off of total charges of 85%, which is equal to Diley Ridge Medical Center's average acute care contractual adjustment for Medicare will be provided for uninsured acute care patients whose Family Income is between 201% and 400% of the Federal Poverty Level Guidelines. The largest discount rate at an individual facility will be used across the system.
- Insured patients with Family Income up to and including 200% of the Federal Poverty Income Guidelines will be eligible for Financial Support for co-pay, deductible, and co-insurance amounts provided that there is no conflict with contractual arrangements with the patient’s insurer and that they apply for financial assistance.
- Medically Indigent Support / Catastrophic: Financial support is also provided for medically indigent patients. Medical indigence occurs when a person is unable to pay some or all of their medical bills because their medical expenses exceed a certain percentage of their family or household income (for example, due to catastrophic costs or conditions), regardless of whether they have income or assets that otherwise exceed the financial eligibility requirements for free or discounted care under Diley Ridge Medical Center’s FAP. Catastrophic costs or conditions occur when there is a loss of employment, death of primary wage earner, excessive medical expenses or other unfortunate events. Medical indigence / catastrophic circumstances will be evaluated on a case-by-case basis that includes a review of the patient’s income, expenses and assets. If an insured patient claims catastrophic circumstances and applies for financial assistance, medical expenses for an episode of care that exceed 20% of income will permit co-pays and deductibles to qualify as catastrophic charity care. Discounts for medically indigent care for the uninsured will not be less than 85%, which equals the Diley Ridge Medical Center's average contractual adjustment amount for Medicare for the services provided or an amount to bring the patients catastrophic medical expense to income ratio back to 20%. Medical indigent and catastrophic financial assistance will be approved by the Diley Ridge Medical Center CFO or his designee and reported to the System Office Chief Financial Officer.
It is recognized that occasionally there will be a need for granting additional financial support to patients based upon individual considerations. Such individual considerations will be approved by the Diley Ridge Medical Center CFO or his designee.
- In accordance with the Generally Accepted Accounting Principles, financial support provided by Diley Ridge Medical Center is recorded systematically and accurately in the financial statements as a deduction from revenue in the category “Charity Care”. For the purposes of Community Benefit reporting, charity care is reported at estimated cost associated with the provision of “Charity Care” services in accordance with the Catholic Health Association.
- The following guidelines are provided for the financial statement recording of financial support:
- Financial support provided to patients under the provisions of “Financial Assistance Program”, including the adjustment for amounts generally accepted as payment for patients with insurance, will be recorded under “Charity Care Allowance.”
- Write-off of charges for patients who have not qualified for financial support under this procedure and who do not pay will be recorded as “Bad Debt.”
- Pre-Pay discounts will be recorded under “Contractual Allowance.”
- Accounts initially written-off to bad debt and subsequently returned from collection agencies where the patient was determined to have met the financial support criteria based on information obtained by the collection agency will be reclassified from “Bad Debt” to “Charity Care Allowance”.
- Diley Ridge Medical Center makes affirmative efforts to help patients apply for public and private programs for which they may qualify and that may assist them in obtaining and paying for health care services. Premium assistance may also be granted on a discretionary basis according to Trinity Health’s “Payment of QHP Premiums and Patient Payables Procedure.”
- Diley Ridge Medical Center has understandable, written procedures to help patients determine if they qualify for public assistance programs or Financial Assistance. Patient Registration, Customer Service and Collections staff have received training on how to assist patients and answer questions.
- Diley Ridge Medical Center provides financial counseling to patients about their health care bills related to the services they receive and makes the availability of such counseling known.
- Diley Ridge Medical Center responds promptly and courteously to patients’ questions about their bills and requests for financial assistance.
- Diley Ridge Medical Center has a billing process that is clear, concise, correct and patient friendly.
- Diley Ridge Medical Center makes available for review by the public specific information in an understandable format about what they charge for services as required under Ohio law.
- Diley Ridge Medical Center has signs and displays brochures that provide basic information about HCAP and Diley Ridge Medical Center's Financial Assistance in public locations as required by Ohio law (see Attachment C). A copy of the Financial Assistance Policy is provided at the time of service (if requested) and is included with all patient statements that are mailed to patients by Diley Ridge Medical Center.
- Diley Ridge Medical Center makes available a paper copy of the plain language summary of the FAP to patients as part of the intake or discharge process. Diley Ridge Medical Center will not have failed to widely publicize its FAP because an individual declines a plain language summary that was offered on intake or before discharge or indicates that he or she would prefer to receive a plain language summary electronically.
- Diley Ridge Medical Center makes the FAP, a plain language summary of the FAP and the FAP application form available to patients upon request, in public places (at a minimum, the emergency room (if any) and admission areas) within Diley Ridge Medical Center, by mail and on Diley Ridge Medical Center's website. Any individual with access to the Internet is able to view, download and print a hard copy of these documents. Diley Ridge Medical Center will provide any individual who asks how to access a copy of the FAP, FAP application form, or plain language summary of the FAP online with the direct website address, or URL, where these documents are posted.
- Diley Ridge Medical Center lists the names of individual doctors, practice groups, or any other entities that are providing emergency or medically necessary care in the Diley Ridge Medical Center's facility by the name used either to contract with the hospital or to bill patients for care provided. Alternately, Diley Ridge Medical Center may specify providers by reference to a department or a type of service if the reference makes clear which services and providers are covered under the Diley Ridge Medical Center’s FAP. Diley Ridge Medical Center also makes available a list of providers who are not covered under the FAP.
- These documents will be made available in English and in the primary language of any population with limited proficiency in English that constitutes the lesser of the 1,000 individuals or 5 percent of the community served by Diley Ridge Medical Center. The Financial Assistance Policy, Application and Plain Language Summary are translated into the following languages: Spanish, Somali, Nepali, Chinese, Arabic, French, Mandarin, Japanese, Russian, Korean, and Vietnamese.
- Diley Ridge Medical Center takes measures to notify members of the community served by Diley Ridge Medical Center about the FAP. Such measures may include, for example, the distribution of information sheets summarizing the FAP to local public agencies and nonprofit organizations that address the health needs of the community’s low income populations.
- Diley Ridge Medical Center includes a conspicuous written notice on billing statements that notifies and informs recipients about the availability of financial assistance under Diley Ridge Medical Center's FAP and includes the telephone number of the Diley Ridge Medical Center's department that can provide information about the FAP, the FAP application process and the direct Web site address (or URL) where copies of the FAP, FAP application form, and plain language summary of the FAP may be obtained.
- Diley Ridge Medical Center will refrain from initiating ECA(s) until 120 days after providing patients the first post-discharge billing statement for the episode of care, including the most recent episodes of care for outstanding bills that are aggregated for billing to the patient. Diley Ridge Medical Center will also ensure all vendor contracts for business associates performing collection activity will contain a clause or clauses prohibiting ECA(s) until 120 days after providing patients the first post-discharge billing statement for the episode of care, including the most recent episodes of care for outstanding bills that are aggregated for billing to the patient.
- Diley Ridge Medical Center will provide patients with a written notice that indicates financial assistance is available for eligible patients, identifies the ECA(s) that Diley Ridge Medical Center (or other authorized party) intends to initiate to obtain payment for the care, and states a deadline after which such ECA(s) may be initiated that is no earlier than 30 days after the date that the written notice is provided. Diley Ridge Medical Center will include a plain language summary of the FAP with the written notice and make a reasonable effort to orally notify the patient about the Diley Ridge Medical Center's FAP and about how the patient may obtain assistance with the FAP application process.
- In the case of deferring or denying, or requiring a payment for providing, medically necessary care because of an individual's nonpayment of one or more bills for previously provided care covered under Diley Ridge Medical Center's FAP, Diley Ridge Medical Center may notify the individual about its FAP less than 30 days before initiating the ECA. However, to avail itself of this exception, Diley Ridge Medical Center must satisfy several conditions. Diley Ridge Medical Center must:
- Provide the patient with an FAP application form (to ensure the patient may apply immediately, if necessary) and notify the patient in writing about the availability of financial assistance for eligible individuals and the deadline, if any, after which the hospital facility will no longer accept and process an FAP application submitted by the patient for the previously provided care at issue. This deadline must be no earlier than the later of 30 days after the date that the written notice is provided or 240 days after the date that the first post‐discharge billing statement for the previously provided care was provided. Thus, although the ECA involving deferral or denial of care may occur immediately after the requisite written (and oral) notice is provided, the patient must be afforded at least 30 days after the notice to submit an FAP application for the previously provided care.
- Notify the patient about the FAP by providing a plain‐language summary of the FAP and by orally notifying the patient about the hospital facility’s FAP and about how the patient may obtain assistance with the FAP application process.
- Process the application on an expedited basis, to ensure that medically necessary care is not unnecessarily delayed if an application is submitted.
The modified reasonable efforts discussed above are not needed in the following cases:
- If 120 days have passed since the first post‐discharge bill for the previously provided care and Diley Ridge Medical Center has already notified the patient about intended ECAs.
- If Diley Ridge Medical Center had already determined whether the patient was FAP‐eligible for the previously provided care at issue based on a complete FAP application or had presumptively determined the patient was FAP‐eligible for the previously provided care.
- Diley Ridge Medical Center will provide written notification that nothing is owed if a patient is determined to be eligible for Free Care.
- Diley Ridge Medical Center will provide patients that are determined to be eligible for assistance other than Free Care, with a billing statement that indicates the amount the patient owes for care as a FAP-eligible patient. The statement will also describe how that amount was determined or how the patient can get information regarding how the amount was determined.
- Diley Ridge Medical Center has billing and collection practices for the patient payment obligations that are fair, consistent and compliant with state and federal regulations.
- Diley Ridge Medical Center has a short term interest free payment plan with defined payment time frames based on the outstanding account balance that is available to all patients that qualify. Diley Ridge Medical Center also offers a loan program for patients who qualify.
- Diley Ridge Medical Center has written procedures outlining when and under whose authority a patient debt is advanced for external collection activities that are consistent with this procedure.
- The following collection activities may be pursued by Diley Ridge Medical Center and/or by a collection agent or attorney on its behalf:
- Communicate with patients (call, written, fax, text, email, etc.) and their representatives in compliance with the Fair Debt Collections Act, clearly identifying Diley Ridge Medical Center. The patient communications will also comply with HIPAA privacy regulations.
- Solicit payment of the estimated patient payment obligation portion at the time of service in compliance with EMTALA regulations and state laws.
- Provide low-interest loan program for payment of outstanding debts for patients who have the ability to pay but cannot meet the short-term payment requirements.
- Report outstanding debts to Credit Bureaus only after all aspects of this procedure have been applied and after reasonable collection efforts have been made in conformance with the Diley Ridge Medical Center FAP.
- Pursue legal action for individuals who have the means to pay but do not pay or who are unwilling to pay. Legal action also may be pursued for the portion of the unpaid amount after application of Diley Ridge Medical Center’s Financial Assistance Policy. An approval by the Diley Ridge Medical Center CFO or his designee must be obtained prior to commencing a legal proceeding or proceeding with a legal action to collect a judgment (i.e. garnishment of wages, debtor’s exam).
- Place liens on property of individuals who have the means to pay but do not or who are unwilling to pay. Liens may be placed for the portion of the unpaid amount after application of the Diley Ridge Medical Center Financial Assistance Policy. Placement of lien requires approval by the Diley Ridge Medical Center CFO or his designee. Liens on primary residence can only be exercised upon the sale of property and will protect certain asset value in the property as documented in Diley Ridge Medical Center’s FAP.
- Diley Ridge Medical Center (or a collection agent on its behalf) shall not pursue action against the debtor’s person, such as arrest warrants or “body attachments.” While in extreme cases of willful avoidance and failure to pay a justly due amount when adequate resources are available to do so a court order may be issued; in general, Diley Ridge Medical Center will first use its efforts to convince the public authorities not to take such an action, and, if not successful, consider the appropriateness of ceasing the collection effort to avoid an action against the person of the debtor.
- Diley Ridge Medical Center (or a collection agent on their behalf) will take all reasonably available measures to reverse ECAs related to amounts no longer owed by FAP-eligible patients.
- Diley Ridge Medical Center has approved arrangements with collection agencies and/or attorneys that meet the following criteria:
- The agreement with a collection agency is in writing;
- Neither Diley Ridge Medical Center nor the collection agency may at any time pursue action against the debtor’s person, such as arrest warrants or “body attachments”
- The agreement defines the standards and scope of practices to be used by outside collection agents acting on behalf of Diley Ridge Medical Center, all of which must be in compliance with this procedure;
- No legal action may be undertaken by the collection agency without the prior written permission of Diley Ridge Medical Center;
- Trinity Health Legal Services has approved all terms and conditions of the engagement of attorneys to represent Diley Ridge Medical Center in collection of patient accounts;
- All decisions as to the manner in which the claim is to be handled by the attorney, whether suit is to be brought, whether the claim is to be compromised or settled, whether the claim is to be returned to Diley Ridge Medical Center, and any other matters related to resolution of the claim by the attorney shall be made by Diley Ridge Medical Center in consultation with Diley Ridge Medical Center and CHE Trinity Health Legal Services;
- Any request for legal action to collect a judgment (i.e., lien, garnishment, debtor’s exam) must be approved in writing and in advance with respect to each account by the appropriate authorized Diley Ridge Medical Center representative as detailed in section V.
- Diley Ridge Medical Center reserves the right to discontinue collection actions at any time with respect to any specific account;
- The collection agency agrees to indemnify Diley Ridge Medical Center for any violation of the terms of its written agreement with Diley Ridge Medical Center.
- Diley Ridge Medical Center educates staff members who work closely with patients (including those working in patient registration and admitting, financial assistance, customer service, billing and collections, physician offices) about billing, financial assistance, collection policies and practices, and treatment of all patients with dignity and respect regardless of their insurance status or their ability to pay for services.
- Diley Ridge Medical Center will honor financial support commitments that were approved under previous financial assistance guidelines. At the end of that eligibility period the patient may be re-evaluated for financial support using the guidelines established in this procedure.
- Pre-Pay Discounts: Diley Ridge Medical Center has a pre-pay discount program, for uninsured patients only, which is limited to balances equal to or greater than $200.00 and will be 10% of the balance due. The pre-pay discount is to be offered at the time of service and recorded as a contractual adjustment and cannot be recorded as charity care on the financial statements.
- Self-Pay Discounts: Diley Ridge Medical Center has a standard self-pay discount off charges for all registered self-pay patients that are uninsured based on the highest commercial rate paid, calculated by RHM. In addition, a pre-pay discount can apply, if uninsured patient is able to pay prior to services, or three (3) days after emergency visit determined by RHM.
- Additional Discounts: Adjustments in excess of the percentage discounts described in this procedure may be made on a case-by-case basis upon an evaluation of the collectability of the account and authorized by Diley Ridge Medical Center’s established approval levels.
Should any provision of this FAP conflict with the requirement of the law of the state of Ohio, Ohio state law shall supersede the conflicting provision and Diley Ridge Medical Center shall act in conformance with applicable state law.
This procedure applies to all Trinity Health RHMs that operate licensed tax-exempt hospitals. Trinity Health organizations that do not operate tax-exempt licensed hospitals may establish their own financial assistance procedures for other health care services they provide and are encouraged to use the criteria established in this FAP procedure as guidance.
This Procedure is based on a Trinity Health “Mirror Policy.” Thus, all Trinity Health RHMs and Subsidiaries that operate licensed tax-exempt hospitals are required to adopt a local Procedure that “mirrors” (i.e., is identical to) the System office Procedure. Questions in this regard should be referred to the Trinity Health Office of General Counsel.
Further guidance concerning this Procedure may be obtained from the VP, Revenue Cycle, in the Revenue Excellence Department.
Please choose your language below to access the correct financial assistance application:
Click the links below to view a list of providers who are covered by Diley Ridge's Financial Assistance Policy.
In the spirit of our mission to serve together in the spirit of the Gospel as a compassionate and transforming healing presence within our communities, Diley Ridge Medical Center is committed to providing healthcare services to all patients based on medical necessity.
For patients who require financial assistance or who experience temporary financial hardship, Diley Ridge Medical Center offers several assistance and payment options, including charity and discounted care, short-term and long-term payment plans and online patient portal payment capabilities.
Diley Ridge Medical Center extends discounts to all uninsured patients who receive medically necessary services. Uninsured discount amounts are based on Federal Poverty Level (FPL) guidelines. Patient statements will show the discount amount and the adjusted balance owed. All medically necessary services qualify for uninsured discounts. Diley Ridge Medical Center may qualify patients based on residency requirements.
Services such as cosmetic procedures, hearing aids and eye care that normally are not covered by insurance are priced at packaged rates with no additional discount. All payments are expected at the time of service.
Short-Term and Long-Term Payment Plans
Patients who cannot pay some or all of their financial responsibility may qualify for short-term or long-term payment plans. Diley Ridge Medical Center’s short-term payment plan is interest-free and patient balances must be paid in full within one year. Longer term interest-bearing payment plans are available through HealthFirst Financial Services for those patients who cannot pay their balances within one year.
Financial Assistance/Charity Care Policy
A 100 percent discount for medically necessary services is available to patients who earn 200 percent or less of the Federal Poverty Level guidelines. Elective services such as cosmetic surgery are not included in our charity program. Those who earn between 201 and 400 percent of the Federal Poverty Level guidelines may be eligible for a partial discount equal to the Medicare discount rate. Patients who qualify for financial assistance will not be charged more than the Medicare discount rate.
Patient copays and deductibles may be eligible for discounted rates if a patient qualifies for financial assistance and earns less than 200 percent of the Federal Poverty Level Guidelines.
Discounts are also available for those patients who are facing catastrophic costs associated with their medical care. Catastrophic costs occur when a patient’s medical expenses for an episode of care exceed 20 percent of their annual income. In these cases, patient copays and deductibles may also be included in the discount.
Charity care discounts may be denied if patients are eligible for other funding sources such as a Health Insurance Exchange plan or Medicaid eligibility and refuse or are unwilling to apply for these sources.
Patient Financial Services
Financial counselors are available to work with patients in completing financial assistance applications to determine what assistance is available. This includes assessing eligibility for Medicaid and Health Insurance Exchange plans.
Patients may contact a financial counselor at the hospital where they have care who can assist in determining qualifications for financial assistance. Financial counselors can also provide free copies of the Financial Assistance Policy, Application, and Plain Language Summary. Free copies can also be obtained by writing to the MCHS Customer Service Dept, 6150 East Broad St. Columbus, OH 43213, PH# 800-346-1009.
The Financial Assistance Policy, Application and Plain Language Summary are translated into the following languages: Spanish, Somali, Nepali, Chinese, Arabic, French, Mandarin, Japanese, Russian, Korean, and Vietnamese. No patient who qualifies for financial assistance will be charged more than the amounts generally billed by the hospital, which are Medicare rates.
The Health Insurance Marketplace
The Affordable Care Act (ACA) requires everyone legally living in the U.S. to have health insurance beginning January 1, 2014. It also gives millions of individuals with too little or no insurance, access to health plans at different cost levels. The law also provides financial assistance to those who qualify based on family size and income. Please see a financial counselor at the facility where you receive care for more information.
Beginning October 1, 2013, you will be able to shop at a new online Health Insurance Marketplace, also known as a health insurance exchange, where you can one-stop-shop for a plan that fits your budget and coverage needs. The next open enrollment for the health insurance marketplace is anticipated each November.