Insurance

Mee Memorial Hospital is committed to working with you and your Health Plan to assure your ability to access our hospital is met. We will bill your insurance for you, although you will be asked to pay deductibles and estimated co-insurance prior to your hospital visit. You must bring your insurance card and all other required insurance information to the hospital with you. If you are uninsured, you will be required to pay for services prior to your hospital visit.

Please reach out and call our Patient Financial Services Department for any special requests at (831) 385-7152 or (831) 385-7294 and we will call your Health Plan on your behalf to verify eligibility and benefits.

Health Insurance Glossary

Co-insurance

Co-insurance is a set percentage of the insured medical expenses that you may have to pay after you reach your deductible. Co-insurance can vary greatly among insurance plans, so check with your insurance provider to find out how much co-insurance you may have to pay.

Co-payment

A co-payment is a set payment made at the time service is received. Co-payments can vary greatly among insurance plans, so please check with your insurance provider to find out how much you have to pay. We ask that you pay your co-payment at the time of registration.

Deductible

A deductible is the amount of money you must pay before the insurance company begins covering part or all of your medical expenses.

EPO (Exclusive Provider Network)

A type of health insurance Plan that, like an HMO, limits health coverage to Doctors and Hospitals within a specific Network. However EPO’s also provide options to allow you as the Patient to see Specialists outside of the EPO Network.

PPO (Preferred Provider Organization)

This type of health insurance Plan covers a wide range of Hospitals, Doctors, Surgery Centers and other Providers all within a Network. However care outside the network might require additional cost.

POS (Point of Service)

This type of health insurance Plan allows you to use Network Doctors, Hospitals and Providers within a specific network defined by the Plan. However, a POS plan requires the patient to seek a referral from your primary care Doctor before seeing a Specialist. At the time of any referral it is possible you may be responsible for additional co share costs.

HMO (Health Maintenance Organization)

A type of health insurance Plan that limits health coverage to very specific Doctors, Specialists, Hospitals and other Providers within a limited Network contracted under this HMO Plan.

Affordable Care Act

On March 23, 2010, President Obama signed the Affordable Care Act into law, putting into place an extensive reform in order to improve access to affordable healthcare coverage for Americans. For those who are uninsured, or for those who do not get their healthcare coverage through work, a key component of the new law took effect October 1, 2013, providing consumers a new Health Insurance Marketplace. This Marketplace will allow millions of Americans to comparison shop for a variety of coverage that will best meet their healthcare needs. For more information on the new healthcare act, visit https://www.healthcare.gov.

Covered California

The website for California’s Marketplace is https://www.coveredca.com

Here Californian’s can shop and compare quality, affordable health insurance that took effect January, 2014. Through Covered California, you can also find out if you qualify for Medi-Cal, as well as help you determine if you qualify for any type of assistance programs.