Carson Tahoe Health's dedicated employees believe that how care is delivered is as important as the services themselves...and that same care continues long after you have left our facilities. Carson Tahoe understands that medical care is frequently unexpected and we wish to extend to our customers every possible method to meet financial obligations.

The Patient Financial Services Department is your link to timely, skillful, and responsive financial assistance. Carson Tahoe is pleased to offer payment plans that will help reduce the pressure of your healthcare obligations.

1-877-304-1299

Reduced Payments

We are committed to providing you access to healthcare and to reducing the cost of care. If you qualify for reduced payment, this policy tells you about how you can receive reduced fees. We help patients who cannot afford, but need healthcare. We also help patients who do not qualify for public programs. If you cannot afford to pay for your services right away, we can help you arrange a payment plan.

How does this work?

Medical Financial Assistance: You need to let the hospital know that you may need some help with your payment. Next we will ask you to fill out a form. It is important that you return this form to the business office as soon as you complete it. Important papers that help us determine your eligibility will be requested including:
   - Proof of insurance
   - Proof of your assets (for example, your home and titles on any car you have)
   - Income tax returns
   - Bank statements
   - Pay stubs
We can only consider your request for medical financial assistance once we have all of the information.

Eligibility: You qualify for reduced payments if you are BELOW 400% of the current Federal Poverty Level (FPL). The payment owed depends on your income. As of July 2005, an individual below 200% of the FPL would need to make less than $19,500, and a family of four would need to make less than $38,700 to qualify.

If you are below these numbers, you will be considered for a co-payment program:
 

For households earning between 201% and 400% of the FPL
Households with an income between 201% and 400% of the FPL will be considered for a reduced payment as follows:

To be considered for reduced payments, a patient must be above the 200% ranges, but below the following income:
400%
For each person - $38,280
For a family of four - $77,400

Note: State law requires a 30% discount for those who have no insurance, however in some cases your discount may be higher than 30%. See our financial counselor for more information.

Household determination: Your household (including all legal dependents) is determined by your latest filed tax return.

Approval: A review committee meets monthly to determine eligibility. The review committee will make the final determination based on this policy.
   - You will be notified within 10 days after final determination.
   - Patients who die without an estate will have no income under this policy.
   - We keep our records for 7 years.

Denials: If your application is not approved, you will be notified within 10 working days. We will tell you the reasons for our decision and the process for reconsideration.

Reconsideration: New or revised information must be submitted to the hospital within 15 days of the denial notice mail date.
* It is acknowledged that EMTALA regulations apply in all instances. Updated information on the Federal Poverty Level can be obtained at: http://www.aspe.hhs.gov/poverty/figures-fed-reg.shtml.
 
Please call our business office to discuss your options and payment arrangements.
 

Collections Guidelines

We are committed to providing you access to health care and to reducing the cost of care. Our goal is to work with all patients and make reasonable payment arrangements. This policy tells you about how we collect payments for health care services.

Account Statements and Contact Attempts

You will receive a series of written notices for your bills in the following order:
·      An initial statement
·      A reminder notice
·      A final letter

These written notices will occur over a 75-day period from the date of discharge unless you tell us that you will not pay your bill or the first statement is returned unopened due to a bad address.

In addition to these written notices, you will receive at least 2 phone calls during the same 120-day period unless you tell us that you will not pay your bill or ask us not to call you again.

You will always have the ability to ask for an itemized statement.

If you have not submitted payment or refuse to pay the bill after the 3 written notices and 2 phone calls, we will send your account to a bad debt collection agency. Your account will not be sent to a bad debt collection agency sooner that 75 days from discharge unless you tell us that you will not pay your bill or the written notices are returned due to a bad address.

Uninsured Patients

Carson Tahoe Health provides the following programs for assistance with payment of your healthcare services:

Prompt Payment Discounts
   •  Inpatient & Outpatient:
   •  Receive a 40% discount for payment in full prior to service or at time of discharge.
   •  Receive a 25% discount for payment in full or with resonable payment arrangements (payment in full with five (5) equal monthly payments), made within thirty (30) days of the balance becoming patient liability. Discounts are applicable only when payment is received in accordance with the above terms.

Financial Hardship:
   •  If your income is 200% or less of the Federal Poverty Level (FPL) for your family size, you may qualify for a full adjustment of your balance with a co-payment based on your income level.
   •  If your income is 201% or greater of the FPL for your family size, you may qualify for a discount of between 30-80%.Updated information on the Federal Poverty Level can be obtained at:
http://www.aspe.hhs.gov/poverty/figures-fed-reg.shtml

If you have questions about these programs or about your bill, please contact our patient accounts office at (775) 445-7550 located at:
775 Fleischmann Way
Carson City, NV  89703

The Office of the Governor, Consumer Health Assistance, Bureau for Hospital Patients is the State Health Advocacy Agency charged with ensuring that Nevada’s hospitals inform all uninsured inpatients about the 30% hospital bill discount mandated under NRS 439B.260. They can also help to resolve disputes between patients and hospitals. Contact number is 1-888-333-1597 or email http://www.govcha.state.nv.us.
 

Pre-Payment Discounts
Pre-payment Pricing (after discounts applied):


Normal Delivery (mother & baby)
** Pricing excludes observation visits, circumcision, imaging services, physician fees or anesthesiologist charges. Pricing includes 1 post-partum visit.

 1-day stay for mother – $2,500; Baby – $1,000

Total – $3,500

2-day stay for mother – $3,000; Baby – $1,000

Total – $4,000

Cesarean Section (mother & baby)
** Pricing excludes observation visits, circumcision, imaging services, physician fees or anesthesiologist charges. Pricing includes 1 post-partum visit.

 Up to a 3-day stay for mother – $3,500; Baby – $1,000

Total – $4,500

In accordance with NRS 439.260, additional charges for complicated deliveries, extended lengths of stay or additional services will be discounted at 30% of billed charges for uninsured or underinsured patients making payment arrangements within 30 days of discharge. An additional 10% discount would be applied for payment in full prior to, at time of admission, or for reasonable payment arrangements made prior to delivery.
 
Please contact our financial counselor at (775) 445-8609 for arrangements or for additional information.