Frequently Asked Questions


What do I need to know about my financial responsibility for physician services?
How do I find my account and invoice numbers?

Your account and invoice numbers appear on the front of your statement. For more information about your billing statement, click here.

How can I check my balance?

If you know your account or invoice number, click here to go to "Check Your Balance." If you do not know your account or invoice number, you will need to call us so we can help you.

Why am I getting a bill from you?

EMBCC Patient Services handles the billing for the healthcare provider who treated you. Because the providers are independent from the facility, you will receive separate bills for medical services and facility services. 

What is EMBCC Patient Services?

EMBCC Patient Services is the billing company for the healthcare provider who provided your service at the facility. The providers are independent of the facility; therefore, we do their billing for them.

What is a hospitalist?

A hospitalist is a physician who specializes in caring solely for patients who have been admitted to the hospital. The hospitalist acts as a primary care physician while you are in the hospital as an inpatient.

What should I do if my account was transferred to a collection agency?

If you received a letter from a collection agency, please contact the agency directly to make payment arrangements.

Does EMBCC Patient Services comply with applicable Federal civil rights laws?

Yes. EMBCC Patient Services complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. View the Nondiscrimination Statement for information on services available to our patients.


I received a check from my insurance company for medical services. What am I supposed to do with it?

In the event that you receive a check from your insurance company for medical services, please deposit it in your bank account and then mail a check or money order to us for the same amount at the address listed on your statement, along with the Explanation of Benefits or Personal Health Statement from your insurance company, so we can see how the payment was applied. Once we receive your check, we will bill you for the remaining co-payment or deductible that was not paid by the insurance company, along with any charges you may owe.

What is meant by coinsurance?

Coinsurance is the percentage of charges you pay out of pocket for a medical service apart from the co-payment and after you meet the deductible. This is usually stated as a percentage like 80/20 (insurance pays 80% of charges, and you pay 20% of charges, as well as your co-pay and deductible).

What is meant by co-pay?

The co-pay is the amount your health insurance requires that you pay up front every time you visit a healthcare provider. For instance, regardless of the charges and whether or not you have met your deductible, you will be required to pay "X" dollar co-pay every time you visit the doctor.

What is the deductible?

The deductible is the amount of charges you must pay before your health insurance kicks in. For instance, you may need to pay the first X dollars for medical services before your health insurance will cover a portion of the charges. The deductible usually must be met on an annual basis.

Will you bill my insurance company for me?

Yes, as a courtesy to you, we bill your insurance company. However, it is your responsibility to provide any requested information to your insurance company such as an accident form or a claim form. Frequent communication between you and your insurance company will ensure timely processing of your claim.

What if I was not covered by insurance at the time of service?

If you were not covered by health insurance at the time of service, please call us to help you make payment arrangements, including setting up an interest-free budget plan, if appropriate.

Why did my insurance only pay part of my bill?

Most insurance plans require you to pay a deductible and/or coinsurance. In addition, you may also be responsible for non-covered services. Please contact your insurance company for specific answers to questions relating to how they processed your claim.

What is the difference between in-network and out-of-network?

If you receive healthcare services from a hospital, physician or other healthcare provider that participates in your health plan, they are often referred to as "in-network." Hospitals, physicians or other healthcare providers who do not participate in your health plan may be referred to as "out-of-network." Our providers are continually developing relationships with many insurance companies.

How can I get an update on my insurance appeal?

If you received a letter from us regarding an appeal, we are filing an appeal on your behalf because we believe the carrier did not pay according to the agreement made with you. If the appeal is denied, you may be responsible for the underpayment amount. If this is the case, you will receive a billing statement from EMBCC Patient Services. If you have any questions, please feel free to call us.


May I pay my bill on a budget plan?

To place your account on an interest-free budget plan, please call us so that we can explain our payment arrangement policy. Once an approved payment plan is established, you may make your payments by mail, online or by phone. We can process e-check payments over the phone.

May I pay by e-Check?

We are happy to take e-check payments by phone during our business hours. Please call (888) 703-3301 on Mon. – Thurs. 7 a.m. to 7 p.m. CST or Fri. 7 a.m. to 5 p.m. CST.

May I use my flexible spending card to pay my bill?

Yes. Flexible spending cards work just like credit cards, as long as a bank symbol appears on the card face. You may make your payment here