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Uninsured Discount Policy

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Effective: 01/01/05
Income Guideline Revised: 01/26/2012

SUMMA HEALTH SYSTEM HOSPITALS
PATIENT FINANCIAL SERVICES, HOSPITAL REFERRAL SERVICES, COLLECTION AGENCIES

<UNINSURED PATIENT DISCOUNT POLICY >

(Applicable to services provided 01/01/05 and after to Uninsured/Self Pay Patients)

Policy
Patients who do not have insurance coverage may be considered under Summa Health System Hospital’s Uninsured Patient Discount Policy. This policy defines Summa Health System Hospital’s commitment to providing care to patients who are in the greatest financial need. Patients who do not have insurance coverage and who have income levels grater than 200% but less than or equal to 400% of the Federal Poverty Income Guideline, are eligible to apply for the uninsured Patient Discount Program. ninsured patients, who have a hospital bill(s) that exceed 25% of their gross annual family income are also eligible to apply for Uninsured Patient Discount Program.

Summa’s Uninsured Patient Discount Program does not relieve nor forgive point-of-service cash payments that the patient may be required to pay. The discount policy does not cover any patient who has insurance and elects to receive service out-of-network or to otherwise not use their insurance benefit. The discount policy does not cover any “cosmetic” or “fee-for-service” procedures (bariatric, breast implants, tummy tucks, etc.) The discount policy is applicable to services provided beginning 01/01/2005.

The Summa Health System Hospitals Uninsured Discount Program requires patients to meet at least one condition in both Part One and Part Two:

Part One: Insurance Test 

  • Patient does not have governmental or private insurance coverage; or 
  • Patient’s insurance does not cover the statutorily or contractually excluded services (dental services, etc.); or 
  • Patient’s insurance benefits are exhausted (i.e. Medicare lifetime reserve days)
Part Two: Income Test
  • Gross annual family income greater than 200% but does not exceed 400% of the Federal Poverty Income Guideline (family includes patient, patient’s spouse, and all of the patient’s children, natural or adoptive, under the age of eighteen who live in the home) and the hospital bill(s) will be discounted according to the schedule below; or 
  • Gross annual family income exceeds 200% of the Federal Poverty Income Guideline, and patient has a hospital bill(s) that equals or exceeds 25% of their gross annual family income and the hospital bill(s) will be discounted by 50%.