Kalispell Regional Medical Center recognizes its responsibility to render necessary acute hospital care to all persons in need of such care, regardless of race, creed, or economic circumstances. We further recognize our responsibility to the community to encourage payment of all accounts in a timely manner. This helps to keep everyone's costs down.
Understanding your hospital bill, medical charges and insurance benefits, charges, requirements, deductibles, and co-payments can be confusing. Some general information about insurance terms is posted here.
Please do not hesitate to ask if you have questions. Our patient representatives are available Monday through Friday between the hours of 8:00 a.m. and 4:30 p.m. If your question does not pertain to services at KRMC, we can refer you to community resources, such as the AIMS program (Flathead County Agency on Aging) for further assistance.
How to Reach Us
By Mail: Patient Business Services, 310 Sunnyview Lane, Kalispell MT: 59901
By Telephone: If you do not know which representative has been assigned your account, please dial the general number.
General Telephone Number (automated line) - 756-4408
Self-Pay Accounts
Last Name "A" through "K" - 752-1757
Last Name "L" through "Z" - 752-1751
Insurance Accounts
Medicare - 752-1711
Medicaid, Indian Health Service - 752-1754
Blue Cross/Blue Shield, Worker's Compensation - 752-1717
VA, Motor Vehicle or TriCare - 751-5452
All other insurances - 752-1753
By E-Mail: patient_accounts@krmc.org
In Person: Cashier and Financial Counselor Offices are on the first floor of the hospital at 310 Sunnyview Lane. The Patient Representative offices are located at 1280 Burns Way (head east on Conway Drive, turn right at the intersection with the Medical Arts Pharmacy, then turn right into the parking area).
General Billing Procedures
Bills are mailed directly to the patient at the address on record, or to the "guarantor" of the account (if the patient is a minor, or has insurance coverage through another person). This person is designated at registration. Staff will file your insurance claims, and will also file any secondary insurance that you report to us.
What is on Your Bill
Your bill represents the charges for services you received during one hospital stay. The daily rate includes bed occupancy, meals, and nursing care. You will also see charges for laboratory tests, diagnostic imaging (x-ray), medications, use of the operating room, and any other tests, procedures, or supplies your doctors have ordered. Professional fees for your physicians' services, with some exceptions, are billed separately.
Information Printed on Your Bill
Your bill contains the name and phone number of your patient account representative and what to do if you suspect an error. Our weekday office hours are 8:00 a.m. to 4:30 p.m. Your bill will show the total charges and will indicate the insurance information we have on file.
Summary & Itemized Statements
If you receive a summary billing and would like an itemized statement of your charges, you may request one.
Doctors' Bills
The hospital will bill for emergency room doctors, limited physician services at Pathways Treatment Center, and doctors who read results of EKGs. Patients should expect to receive separate bills from any private doctors, surgeons, or assistant surgeons who participated in your care, as well as from any consulting or professional groups such as radiology (x-ray), anesthesiology, and pathology (laboratory). If you have questions about any of these bills, please contact the doctor from whom the bill has been sent.
Regarding Insurance Claims
The hospital participates with Medicare, Medicaid, Champus/Tricare, and Worker's Compensation. We accept Employee Group Health and private insurance coverage if we receive complete billing information. For inpatient, surgical, and selected outpatient therapies, procedures, and testing, we will verify that the insurance is in effect at the time of service.
The insurance subscriber is responsible for complying with their insurance company's requirements. Those requirements may include obtaining referrals, pre-certification, second opinions, and/or ensuring that the hospital belongs to their particular network of managed care providers.
KRMC will file your insurance claims, and will also file any secondary insurance that you report to us. If your insurance company has not paid on a timely basis, we will send you a letter requesting your help in solving whatever problems have led to the delay in payment. You are responsible for seeing that your insurance company pays us correctly and on a timely basis.
Changing Insurance Information
If you need to update your insurance information, please call your patient account representative when you receive your bill, and we will be able to re-file your claim.
Estimating Payments
Our in-house financial counselor can help you estimate your potential financial responsibility (after insurance) for hospital services. We may request a down payment of this estimated amount. If requested, please visit our Cashier's Desk or contact an account representative prior to going home. We appreciate your cooperation.
Final Payment
Once your insurance company has paid, we will send you a statement requesting payment of any remaining balance in full within 30 days. A discount is available on this payment for promptly settling your account. If you cannot make payment in full, please call us to explore other options in working out arrangements for payment.
If You Are Without Insurance Coverage
Our patient representatives will assist you in exploring all possible resources for medical assistance within the community, including Public Assistance and other State and Federal agencies. Qualifying accounts will be financed and managed by the CSI Financial Services program. KRMC will accept monthly payments after all other alternate methods of payments have been exhausted. Monthly payments are set according to the current board-approved payment schedule and personal financial information may be required to set appropriate payment arrangements.
Other Resources
- Flathead County Agency on Aging (AIMS Program), (406) 758-5728
- Montana State Insurance Commissioner (406) 444-6500