Paying for treatment

Paying for Outpatient Treatment & Investigations

From January 2008 we have introduced new hospital procedures for settling accounts for outpatient treatment and investigations undertaken at the Hospital of St John & St Elizabeth.

We require all payments for outpatient treatment and investigation to be settled on the day of your appointment. We ask that you bring with you a valid debit or credit card with you to ensure that this can take place.

  • If you have medical insurance we still request this in order that we can make payment for any shortfall or excess that is due following our transaction with your insurance company. Please see further information below.
  • Please note that your consultant will charge you separately for their consultation fees, the capture of your credit / debit card details on the day of your appointment is in relation to any hospital charges that may be incurred.
  • Should you notify us that you do not have a debit or credit card available to bring with you to your appointment, we will make an individual arrangement with you.
     

Paying for Treatment & Investigations

There are three ways of settling your bill: paying your own bill, paying via your insurer or via a third party sponsoring organisation.

Paying your own bill

Outpatient

  • On arrival for your appointment your debit or credit card details will be taken, so that we can complete payment following your consultation and any further treatments or investigations.
  • Once your consultation / treatment and or investigation(s) are completed, we ask that you return to the Registration & Cashiers desk where your account will be settled.
  • Should there be any payments that are not recouped on the day of your appointment; we will retain your details in order to ensure payment is made. If this occurs you will be notified in writing 7 days in advance of payment being taken.

Inpatient/Daycase

  • Payment of a deposit is required for your treatment based on an estimated cost of your treatment. We endeavour to estimate your treatment cost as close as possible to the actual cost. However your estimated cost will not include certain items such as personal expenses (telephone, guest meals etc), additional procedure or investigations. These exclusions will clearly be indicated in our letter of admission confirmation.
  • If we over-estimate your treatment cost a refund will be issued to you shortly after your discharge from Hospital.
  • If your deposit proves to be insufficient to cover the actual cost of your treatment a bill will be sent to you to settle.
  • While you are an inpatient we may ask you to top up your deposit if we identify that additional treatment has been necessary and the deposit appears unlikely to be adequate.

Paying via your insurer

Outpatient

  • We will ask for your insurance details at the time of booking your appointment. We ask that on the day of your appointment you bring with you any documentation relating to this insurance, in particular your insurance membership number along with you Authorisation / Claim Number.
  • It is vital that you confirm level of cover and if you are entitled for treatments in this Hospital. 
  • If an authorisation number is not available, we will ask you to personally settle your account and reclaim the cost of care from your insurer.
  • Although you are an insured patient we still however, ask for your credit or debit card details on arrival for your appointment, this is to ensure that we can take payment, should there be  any shortfall from your insurance company settling your bill.
  • We will retain your credit or debit card details, should we be notified that there is any shortfall on your account following settlement from the insurance company; we are able to ensure payment is made.  If this occurs you will be notified in writing 7 days in advance of payment being taken.

Inpatient/Daycase

  • You are required to contact your insurer well before you are admitted to the hospital to establish your level of cover including hospital coverage as conditions and level of cover vary.
  • Your admission booking cannot be confirmed without an authorisation from your insurer.  No authorisation means you will have to pay for your treatment and as such will be required to pay a deposit.(see paying your own bill)
  • The hospital has an agreement with all the major insurance companies.  Bills for authorised treatment will be sent to your insurer for settlement.
  • You are responsible for any charges that may be declined by your insurer.
  • Your consultant or GP may be required to complete a form which you must obtain from your insurance company.
     

IMPORTANT NOTES

While the Hospital may invoice your insurance company or sponsor directly, it is your responsibility to ensure that claims are processed promptly.

Should you have any questions relating to the payment of your account, let us know and we will get an appropriate person to answer your queries.

 
 

Sponsor paying your bill

The hospital can only accept UK based companies for sponsorship. Most Embassies are accepted as sponsors. You should therefore ensure that your sponsorship has been accepted before your admission/treatment otherwise you will be treated as a self paying patient.

Outpatient

  • The Hospital has direct settlement arrangements with some organisations that may be paying the cost of your treatment.  In these cases a letter of guarantee must be presented to the cashiers.
  • Such guarantee letters must clearly indicate level of financial cover the firm is accepting and patient’s responsibility if any.
  • If such letter is not produced at the time of your treatment you will have to pay the cost before you leave the hospital.
  • Although you have sponsorship for your cover we still however, ask for your credit or debit card details on arrival for your appointment, this is to ensure that we can take payment, should there be any shortfall.
  • We will retain your credit or debit card details, therefore should we be notified that there is any shortfall on your account following settlement from the sponsor; we are able to ensure payment is made.  If this occurs you will be notified in writing 7 days in advance of payment being taken.

Inpatient/Daycase

  • If a sponsoring organisation is paying for your treatment you should send in a letter from the sponsoring organisation that clearly states your level of cover in advance of your admission to avoid any inconvenience on your admission day.
  • If such letter is not received before admission you will be asked to settle your own account (see paying your own bill).
  • You are responsible for any charges your sponsor does not settle.
     

IMPORTANT NOTES

While the Hospital may invoice your insurance company or sponsor directly, it is your responsibility to ensure that claims are processed promptly.

Should you have any questions relating to the payment of your account, let us know and we will get an appropriate person to answer your queries.

 
 

Payment methods

The hospital accepts four payment methods namely by cheque, credit/debit card, bank transfer or cash. You will always be offered a receipt for any payment you make.

Payment by cheque

  • Cheques should be made payable to Hospital of St. John & St. Elizabeth and must be received 10 days in advance of your inpatient admission.
  • Cheques payment will be accepted to pay for your Outpatients consultation and treatment on the day of your appointment.
  • If you are paying a deposit within less than seven days of your admission you must pay by bankers draft cheque.
  • You can either send your cheque by post with details of what you are paying or present it at our cashiers’ desk.

Payment by credit/debit card

  • The hospital accepts all the major credit/debit cards such as Amex, Visa, Mastercard or Switch.
  • You can pay your deposit over the phone to avoid inconvenience on your admission day. We ask for payments by card three days in advance of your inpatient admission.
  • Credit card payment will be accepted to pay for your Outpatient consultation and treatment on the day of your appointment.
  • You can also call Credit Control on 0207 806 4058 to pay any outstanding bill on your account.

Paying by Bank Transfer

If you are paying by bank transfer our bank details can be obtained from our admissions office (0207 806 4066) or hospital cashier (0207 806 4238).
You must provide sufficient details such as your hospital number along with reason of payment such as Deposit or invoice numbers.
 

Your Bill Described

The hospital endeavours to make your bill as understandable as possible.

Hospital Fees: Outpatient

  • Where possible, we will try to put all charges of the various departments you have visited on the day of your treatment on one bill. Otherwise you will have separate bills for each department with a list of treatments you have had on the day.

Hospital Fees: Daycase

  • Every treatment you have had will be listed and costed. The Nursing and Accommodation charge is costed per hour based on how long you have stayed. The number of hours you have stayed will be shown on your bill as a quantity.
  • There will be additional nursing charges if your stay exceeds the agreed duration - normally 5 hours. This is measured by the hour.
  • Any miscellaneous items such as telephone or catering services will be listed individually along with their prices.
  • Should you require explanation of charges on your bill, you can contact Daycase Billing on 0207 806 4059.

Hospital Fees: Inpatient

  • Every treatment you have had will be listed and costed. The Nursing and Accommodation charge is entered once showing charging date as admission date and quantity the duration of your stay.
  • Any miscellaneous items such as telephone or catering services will be listed individually along with their prices.
  • Your charges are listed in date order. While you are an inpatient we may provide you with an interim bill if you ask us to do so.
  • Should you require explanation of charges on your bill, you can contact the Inpatient Billing Manager on 0207 806 4055.

Medical Fees

  • Every treatment you have had will be listed and costed. The Nursing and Accommodation charge is entered once showing charging date as admission date and quantity the duration of your stay.
  • are not employed by the hospital and therefore their fees are not normally included in the Hospital's account.
  • you are insured and your consultant requested your medical fees to be included in the hospital account we will do so. Such fees are shown separately on your bill.
  • you have any concerns on your medical fees you need to speak to your consultant.
     
     

Financial Terms & Conditions – Birth Unit Clients

 

  • All prices are effective from the 1st April 2008 and are subject to change as the market dictates. All prices are inclusive of VAT. The price you are required to pay is pertaining at the day of admission, not at the day of booking.
     

Admission Time

 

  • Your admission time will begin once you have been admitted into the Birth Unit. If your admission time is between 6pm and midnight there will be a charge of half the room rate. This would also apply should you choose to stay past the 12 midday on the day of discharge.
     

Private Medical Insurance

 

  • The Hospital does not invoice insurers for any maternity care provided, as we only deal direct with the patient. It is the patient’s responsibility to forward invoices to their respective insurers to seek any reimbursement that may apply to their policy. Although your insurance company may cover some aspects of treatment they are unlikely to cover the overhead costs of maternity so please be aware that it is unlikely that they will reimburse you in full.
  • We have notified all insurers that this is our policy and the only exception will be where we have a written guarantee letter for the sum of no less than £10,000 (ten thousand pounds) stating that all fee’s will be paid in full upon receipt of invoices. In these cases the guarantee will be approved only by the Director of Finance, the Chief Executive or the Director of Operations.
     
     

Paying for your Care

 
 

At the time of Booking

 

  • You will be required to pay a deposit of £2,200 (two thousand two hundred pounds) and sign a copy of our Financial Terms & Conditions Agreement so as to secure your room on your delivery day.
  • This payment does not include any costs associated with outpatient antenatal treatment, which will be billed as and when they are incurred.
     

At 36 Weeks

 

  • You will be required to pay an additional £3,800 (three thousand eight hundred pounds) towards the cost of your maternity care at the hospital. This will be for clients booked under Midwifery Led Care only. If you choose Consultant Led Care you will be invoiced separately from the Consultant.
  • This amount is based on a minimum average spent of £ 6,000 (six thousand pounds), and takes into account your deposit at the time of booking. Please note, however, that this amount does not reflect the full and final settlement of your care.
     

On Discharge

 

  • Your final account will be presented to you on discharge, if it falls between 9:00am to 6:00pm (Monday to Friday) and you will be requested to settle any balance outstanding in excess of what you have already paid. Outside of these hours, you will be required to pay against a pro forma invoice based on an estimated total cost of your care.
  • Your final bill will be prepared following the resumption of normal working hours, but please note that, this bill may differ to that as calculated using a pro forma invoice. Any difference owing to the hospital will be required to be settled by you, whilst any refunds will be made by the Hospital in a timely manner.
     
     

Further Information for Birth Unit Clients

 

If you would like to discuss any aspects of our fees you are very welcome to contact The Birth Unit Manager or Birth Unit Secretary on 020 7806 4090 or 020 7806 4000 ext 3319/4090

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