Common Billing Questions

The deductible is the fixed dollar amount you must pay out-of-pocket each year for covered services before your insurance provider begins to chip in. Think of it as your "entry fee" for benefits.

A co-payment is a predetermined, flat fee you pay at the time of service.

• Example: You might pay a flat $50 copay for every emergency room visit, regardless of the total cost of the bill.

Co-insurance is your share of the costs for a healthcare service, calculated as a percentage. This typically kicks in after you have met your deductible.

• Example: If your plan has 20% co-insurance, you pay 20% of the medical bill while your insurance company covers the remaining 80%.

This is a document sent by your health insurance company after receiving medical care. It shows a summary of what was covered, the cost and what you may owe your provider. This is not a bill.

Firelands Health accepts the following forms of payment and does not charge any processing fees:

• Online: Visit our secure payment portal at firelands.com/paymybill
• By mail: Send checks to the address listed on your billing statement.
• In-person: We accept credit and debit cards at all offices. Note: Personal checks are only accepted at the main desks of Firelands Regional Medical Center and The Bellevue Hospital.
• By phone: See the phone number listed on your bill.

Please call the number on the back of your bill.

When receiving services at our hospital, you will receive separate bills from your physician, surgeon and other specialists such as a radiologist, anesthesiologist, or lab work. You may also receive bills for hospital services when visiting a provider on our campus. Learn more about provider based billing here.

Firelands Health System participates in many healthcare plans. Follow the links below to learn which insurance carriers are generally accepted across the Firelands Health System. Patients should always verify the hospital's participation with their insurance provider before receiving services. Your plan may be employer-specific, restricted to a narrow network or limited to select services.

• Firelands Regional Medical Center 
• Firelands Physician Group 
• Firelands Health The Bellevue Hospital 

The following may apply:

• Your plan may not cover the service you received.
• You did not provide accurate insurance information at the time of your service.
• You were not covered by your plan at the time of your request.
• Additional information was requested from the insured before payment will be processed.

Contact your insurance company to discuss your situation.