Patient billing and financial support
At Hutchinson Health, we recognize that medical costs can add up. We’re here to help you understand your bill and insurance coverage and discuss payment options if needed.
Our Patient Financial Advocates are happy to answer your questions and offer assistance. Please call
Insurance coverage is complicated, and worrying about paying your clinic or hospital bill shouldn’t need to be a part of your recovery.
Providing convenient access to necessary medical care, regardless of the patient’s ability to pay, is important to us. We can help you find a program that meets your financial needs.
To apply for financial assistance, please learn more about our programs below, and complete the financial assistance forms. Application forms can be completed online through your HealthPartners online account or downloaded (below) and returned in person or by mail to the front desk of the Hutchinson Health location nearest you.
For questions or assistance with your application, please call
Information on eligibility, how to apply and how we calculate financial assistance is described in our financial assistance policy.
The Hutchinson Health Charity Care Program was established to assist patients who have a financial need. Financial assistance is based on patients’ total income, compared to what is called the Federal Poverty Level (FPL).
Patients whose total income and family size place them at or below 200% of the FPL will receive a 100% financial assistance discount. Patients with a total income and family size that place them at less than or equal to 400% of the FPL will receive a partial financial assistance discount.
The Charity Care Program applies to medically necessary services provided at Hutchinson Health. The patient must fully exhaust any available government assistance programs and any available health insurance benefit to be eligible. Charity Care Program eligibility is based on annual income, insurance, family size and liquid assets.
To qualify for this program, a patient must complete a brief application. Eligible patients will be covered by the program for up to six months, barring any significant change. English and Spanish versions are provided below.
Those who do not qualify for the Charity Care Program may qualify for the Uninsured Discount Program. For uninsured patients, this discount is automatically applied to total charges, and is applied as an adjustment against medically necessary and emergency care services on the patient’s billing statement. Underinsured patients must inform Hutchinson Health that they are eligible for the discount, and the discount will be applied as appropriate.
Hutchinson Health may approve financial assistance in special circumstances. If you’d like to learn more, please call
Knowing how much your medical care will cost before you visit a doctor can help you plan for upcoming health care needs. We offer several different ways to estimate the cost of care at Hutchinson Health.
You can use our HealthPartners online patient estimate tool to get a cost estimate and learn about how much you’ll likely pay out-of-pocket.
The federal government requires hospitals to post their standard charges reflecting each inpatient and outpatient service and item provided by the hospital.
Our standard charges may be far different than the amounts you are expected to pay. Hutchinson Health has negotiated varying discounts with Medicare, Medicaid and most private insurance plans. We can help you figure out how much you’ll have to pay if you call one of our patient financial advocates at 320-484-4493. They can help you work with your insurance company to understand your actual out-of-pocket costs.
The Minnesota Hospital Association has information about our charges, as well as what other hospitals charge, to help consumers navigate the price of their medical care.
You can also see our list of clinic cost estimates. They reflect data from HealthPartners, Blue Cross Blue Shield, PreferredOne and Medica. If you have another insurance company, your cost may be different.
Our hospital-based clinics may charge a separate facility fee depending on your health insurance. This can result in a higher out-of-pocket expense. Contact a patient financial advocate at 320-484-4493 to learn more. Our hospital-based clinics include:
You can also gather information to estimate your costs by contacting your insurance provider. Just call the number on the back of your insurance card.
Don’t have your card in front of you? Here are the member services numbers to common insurance providers:
We’re required to keep an updated list of providers that offer emergency or other medically necessary care for Hutchinson Health. This lists details which providers are covered by our financial assistance policy and which are not.
Please bring your driver’s license or state ID, insurance card and co-pay with you to each visit.
If you are an insured patient and have a copayment for services, you will need to pay your copayment at check-in.
If you are receiving a cosmetic/non-medically necessary service, you will need to pay 100% of the estimated charges before receiving services.
If you have an outstanding balance, you may be contacted and asked to pay before receiving additional services.
Before receiving services, check with your insurance plan provider to see what your coverage and expected responsibility will be.
If you are uninsured or would like more specific information on costs, you can contact Know Your Cost at
You may be asked at check-in for any patient responsibility. This may be an estimate of charges.
If your insurance card indicates that a copay is required, you will be asked to pay it at the time of check-in for your appointment. Hutchinson Health accepts cash, checks, money orders, Visa, MasterCard, Discover, American Express and debit cards.
Your insurance company may or may not cover services provided at Hutchinson Health. We accept most major insurance plans. Please contact your insurance company for benefit-specific questions and to see if your insurance is accepted at Hutchinson Health.
We will provide a good faith estimate of the cost for future services at Hutchinson Health. Call Know Your Cost at
Yes, you can be seen without insurance, but a down payment may be required before you receive care. Down-payment amounts will vary based on the service. If you cannot afford the down payment, we have the Hutchinson Health Financial Assistance Program available.
We submit your services to your insurance company on your behalf. You should receive an Explanation of Benefits (EOB) from your insurance company prior to receiving a bill from us. If you are uninsured, you will receive a bill after your services have been processed. You are responsible for your bill when you receive it. If you have trouble paying your Hutchinson Health bill, payment plans are available and we have the Hutchinson Health Financial Assistance Program available. Contact Patient Financial Services at
If you paid your balance in the last 10 days, please allow more time for us to make the payment to your account. If the balance still shows on your next statement, contact Patient Financial Services at
Some insurance plans do not cover physical exams or preventive visits. Please contact your insurance company to determine if physicals and/or preventive visits are covered.
If other medical conditions were addressed during your exam that required more evaluation, you may be billed for that service. Insurance carriers require accurate reporting from providers when preventive care and additional problems are addressed in the same visit. While you may be taking care of two health care concerns at one time, your insurer may see it as taking care of two office visits in one and assess your benefits accordingly.
Privacy regulations relating to Health Insurance Portability and Accountability Act limit the medical information we can share with you. To discuss details about a family member or friend’s bill with Patient Financial Services, you must first complete a Patient Authorization for Release of Protected Information form.
Yes, payment plan options can be made by contacting Patient Financial Services at
If you have questions or want to learn more, our patient financial advocates are here to help. Call us at