Patient Financial Services Frequently Asked Questions

Getting answers regarding health-care costs and insurance coverage can be complicated and frustrating. Palomar Health wishes to assist you by answering some of the most commonly asked questions and clarifying some of the misconceptions about patient financial responsibility. If you wish further information, please call a Patient Financial Service Representative at (833) 631-0069.

I have insurance, but I'm not sure how much I may owe for the surgery I need, what do I do?
Call our Fair Pricing Affordable Healthcare Hotline at (833) 631-0069. We have dedicated Specialists that will identify the cost for the surgery, call your insurance for you, verify your eligibility and benefits, and provide you with an estimate of your portion of the financial responsibility. Please have your physicians name and phone number available.

I need to have surgery, but I do not have a physician. What do I do?
Call our Fair Pricing Affordable Healthcare Hotline at (833) 631-0069. We can provide you with physician names as well as a price quote for the cost of surgery.

I don't have insurance- do you have options to make my health care more affordable?
Yes! If you don't have insurance, we offer our cash pay patients a prompt pay discount of 40% from the quoted price. We look forward to walking you through a prompt pay process. If you cannot pay with the prompt pay discount, we also have extended payment arrangement options. We offer two-year, interest-free financing on your balance. This long-term payment plan doesn't cost you anything, and it will not affect your credit. For more information, call us at (833) 631-0069, if you do not have insurance we offer our cash pay patients a prompt discount of 40% from the quoted price. We look forward to walking you through a prompt pay process.

Why can't I know how much my emergency room service will cost?
The practice of identifying estimated costs for the level of care in the emergency room and its treatment could discourage the individual from remaining at the hospital to receive care to which he or she is entitled and which the hospital is obligated to provide regardless of the patient's ability to pay.

Why did I get a bill when I left the emergency room before the physician saw me?
The hospital has an obligation as an emergency department licensed provider, to treat and evaluate each patient with an initial screening exam. The medical screening exam is performed by a nurse and may consist of taking vital signs and asking pertinent questions regarding your health and symptoms. Should you elect to leave prior to receiving full emergency department services - you will be billed for the initial assessment.

How do I get an itemized bill for my medical services?
Please contact Patient Financial Services at (833) 631-0069 for an itemized bill.

What does the hospital bill for?
Support staff to facilitate your care (i.e., nursing, technician, room and board). Physicians and other professional services are billed separately.

What is a "contract provider"?
A contract provider is a provider of service (such as the hospital and/or physician/professional services) who "contracts" with an insurance company to provide care. Please refer to your insurance handbook.

Do you bill my primary and secondary insurance carrier?
Yes, as a courtesy to our patients. You are responsible for providing a current copy of your insurance information at each individual visit to the hospital (or associated facilities).

Why do I receive a separate fee/bill for "professional services"?
The hospital does not employ physicians. Professionals that perform their services are specialists in their fields and provide the highest level of care to our patients. These professionals are located at the hospital in order to facilitate care, but they handle their own billing from their business office.

What happens if my insurance company does not pay for all services?
As determined by your insurance company, Patient Financial Services will bill the patient for "non-covered" or denied services.

Why is my bill so expensive?
We provide comprehensive services 24 hours a day, 7 days a week

How do I know how much my co-pay will be for my procedure?
Prior to your arrival, please refer to your insurance handbook and/or call your insurance company. The hospital admitting staff will also be happy to assist you in verifying your benefits at the point of registration.

Why do I have to pay my co-pay or deductible up front for services I receive?
All co-pays and deductibles as indicated by your insurance, are your responsibility and are due at the time of registration and/or discharge.

What happens if I do not pay my bill to Palomar Health?
If you have a balance due to the hospital and do not pay that balance, it may be sent to an outside collection agency.

Why did I get a call from a collection agency regarding my outstanding balance while I am in dispute with my insurance company?
Our records reflect you have an outstanding balance. The patient has a right to appeal with their insurance company. During this appeal process, the patient is still responsible for the balance due.

Additionally professionals who may participate in your care and will charge and bill separately:

  • Radiologist
  • Anesthesiologist
  • Pathologist
  • All physicians involved with your care
  • Emergency room physicians

Physicians and other professional consultants may not be contract providers with your health-care insurer. Health insurance providers choose to contract with certain professionals and facilities, as do the physicians and physician groups. Be sure to ask your insurance company or the treating professional if you have concerns regarding contracted coverage and fees. Palomar Health does not bill for professional fees. Palomar Health charges or bills do not include fees for the above professionals. They bill separately.


Palomar Health offers payment plans and discount pricing options to help you receive affordable health care. Learn more from Patient Financial Services to get a quote today.